New York Bagel Enterprises Inc · 8-K · For 3/15/00 · EX-99

Filed On 4/10/00   ·   SEC File 0-21205   ·   Accession Number 941158-0-13

Current Report   ·   Form 8-K
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Document/Exhibit                   Description                      Pages   Size 

 1: 8-K         Current Report                                         3      5K 
 2: EX-99       Miscellaneous Exhibit                                 79    209K 

EX-99   ·   Miscellaneous Exhibit
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UNITED STATES BANKRUPTCY COURT  
FOR THE DISTRICT OF KANSAS  

IN RE:         NEW YORK BAGEL                                                   
CASE NO.     00-10275                             
DEBTOR(S)      CHAPTER 11                                                       

MONTHLY REPORT                                                                  
FOR MONTH OF FEBRUARY 23, 2000                                                  

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.
CASE NO.  00-10275    

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT   
FOR THE MONTH ENDING FEBRUARY 23, 2000      

1    PROVIDE THE FOLLOWING INFORMATION REGARDING SALARIES/WAGES                 
PAID/DUE.                                                             

GROSS AMOUNT OF EXECUTIVE SALARIES PAID           16,942.31           

NAME                TITLE                         

ROBERT J GERESI               C E O                9,096.16           

RICHARD R WEBB                C F O                7,846.15           

GROSS AMOUNT OF OTHER WAGES PAID                 207,082.23           

WERE ANY WAGES/ SALARIES DUE BUT NOT PAID FOR THIS CURRRENT           
 MONTH?  YES  X   NO              .  IF YES, PROVIDE THE EMPLOYEE'S NAME
AND TITLE AND AMOUNT DUE.                                             

SEE SCHEDULE 1A                                   

2    PROVIDE THE FOLLOWING INFORMATION REGARDING TAXES PAID/DUE.                

ARE ALL POST-PETITION FEDERAL AND STATE TAXES PAID OR DEPOSITED       
FOR THE PERIOD?  YES           NO     X                               
PROVIDE DOLLAR DETAIL OF TAXES FOR THIS PERIOD.                       

                    AMOUNT DUE          TAXES PAID
TYPE OF TAX                   FOR MONTH           DURING MONTH        
                                      CK #      DATE        AMOUNT

   FEDERAL WITHHOLDING                    22527    FEB 8,00         28613.13

   FICE WITHHOLDING              54127.94          FEB 22,00        25514.81

EMPLOYER'S FICA                                                       

STATE WITHHOLDING   NOT DUE UNTIL 3/15/00                             

SALES TAX           NOT DUE UNTIL 3/15/00, 3/20/00 AND 3/25/00        

OTHER TAXES                                                           

ATTACH PHOTOCOPIES OF IRS FORM 6123 AND SIMILAR RECEIPT FROM THE STATE
TAXING AUTHORITY TO VERIFY THE DEPOSITS OR PAYMENTS                   

                                         PAGE 1 OF 3

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.  
CASE NO.  00-10275      

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT   
FOR THE MONTH ENDING FEBRUARY 23, 2000  

3    DOES ALL INSURANCE COVERAGE REMAIN IN EFFECT?   YES  X   NO                

TYPE                CARRIER             POLICY #            EXP DATE  

PROPERTY DAMAGE     TRAVELERS           BINDER 105403       MARCH 2000

LIABILITY           TRAVELERS           BINDER 105422       MARCH 2000

WORKERS COMP        PREFERRED EMPLYRS   BINDER 105382       MARCH 2000
                    PREFERRED EMPLYRS   BINDRE 105402       MARCH 2000

OTHER                                                                 

AUTOMOBILE          TRAVELERS           BINDER 105423       MARCH 2000

PROPERTY/LIABILITY  TRAVELERS           BINDER 105420       MARCH 2000

4    DO ALL REQUIRED LICENSES REMAIN IN EFFECT?   YES   X    NO                 
DESCRIPTION                   RENEWAL DATE        

FOOD/HEALTH                   VARIES BY STORE     

5    LIST DEBTS INCURRED WHICH HAVE NOT BEE PAID.                               
(I.E. UTLITY BILLS, REPAIR BILLS, PROFESSIONAL FEES)                  

DATE INCURRED                 CREDITOR            PURPOSE   AMOUNT    

SEE SEPARATE SCHEDULE #5                          

                                   TOTAL

                                         PAGE 2 OF 3

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.  
CASE NO.  00-10275  

CHAPTER 11  
MONTHLY REPORTING AFFIDAVIT   
FOR THE MONTH ENDING FEBRUARY 23, 2000    

6    CHECK [ X]  THAT THE FOLLOWING FORMS ARE ATTACHED:                         

RECEIPTS AND DISBURSEMENTS STATEMENT              X                   

INCOME STATEMENT                                  X                   

BALANCE SHEET (QUARTERLY ONLY)                    X                   

COPY OF BANK STATEMENT (S)                        X                   

FORM 6123                                         X                   

COPY OF CHAPTER 11 QUARTERLY FEE                                      
PAYMENT REPORT (INCLUDE FOR MONTH                 
DURING WHICH FEE IS PAID)                         

I (WE) DECLARE UNDER PENALTY OF PERJURY THAT THIS REPORT AND ATTACHED           
STATEMENTS ARE TRUE AND CORRECT TO THE BEST OF MY (OUR) KNOWLEDGE AND           
BELIEF.                                                                         

DATED:  MARCH 13, 2000   DEBTOR:             ROBERT J GERESI                 *  

                       CO-DEBTOR:                                         **

*    THIS REPORT MUST BE SIGNED BY AN INDIVIDUAL HAVING SUFFICIENT KNOWLEDGE    
OF THE FACTS TO MAKE A TRUTHFUL AND FULL STATEMENT.                   

**   IF THIS IS A JOINT PETITION, BOTH HUSBAND AND WIFE MUST SIGN.              

NOTE:   THIS REPORT AND ATTACHED STATEMENTS ARE DUE FOR EACH          
          CALENDAR MONTH PERIOD FROM TIME OF FILING PETITION (FIRST REPORT
  WILL BE FOR A SHORT PERIOD) UNTIL THE CASE IS DISMISSED,
          CONVERTED OR A PLAN IS CONFIRMED.  THE REPORT IS DUE THE 15TH OF
        THE MONTH FOLLOWING THE REPORTING PERIOD.  (IE. JANUARY REPORT
IS DUE FEBRUARY 15TH)                                 

REV. 6/93                                         PAGE 3 OF 3         

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.  
CASE NO.  00-10275      

CHAPTER 11      
MONTHLY REPORTING AFFIDAVIT       
FOR THE MONTH ENDING FEBRUARY 23, 2000        

SCHEDULE 1A - ACCRUED PAYROLL   

NAME OF EMPLOYEE              CK #               GROSS                NET       

DEBORAH FARRIS                     23241            703.36             529.48   
ROBERT J GERESI                    23242          4,846.16           3,097.79   
AMY R LITTLEFIELD                  23243             50.00              46.11   
ROBBIE SASSER                      23244          1,161.54             887.20   
VINCE VRANA                        23245          3,600.00           2,408.74   
RICHARD R WEBB                     23246          4,153.85           2,950.76   

KRISTIN L AHOLT                    23247            132.52             122.02   
KIMERLE D BOONE                    23248            117.97             105.94   
TARA L BUCK DEARDEUFF              23249            276.84             255.67   
ANTHONY W BUJAK                    23250            217.49             181.05   
BROOKE M CARTER                    23251             38.64              35.68   
KIRSTEN A CERCY                    23252             46.76              43.14   
JASON L CRULL                      23253            865.39             664.04   
NATT T EALES                       23254            158.59             136.74   
KEVIN FORSMAN                      23255            279.93             227.55   
BO E GALLIMORE                     23256            507.82             394.81   
MARVIN K HAMILTON                  23257            260.82             213.32   
AMANDA M HRABAN                    23258             87.73              80.72   
RANSOM E JACKSON                   23259            215.67             196.64   
JESSICA L JENKINS                  23260             64.57              59.50   
PATRICK B JOHNSON FRASIER          23261            482.50             376.45   
ROBERT A JOHNSON                   23262            155.31             142.84   
KEVIN L VANDEVENTER                23263            303.81             280.56   

TERR A BUJAK                       23264            468.81             384.17   
ERIN M COPELAND                    23265            235.56             211.49   
KERRY E ENGER                      23266            846.16             650.52   
AMBER E HENDRIX                    23267            149.50             138.06   
ROBBIE L HOLCOMB                   23268            211.35             195.19   
JENNIFER A KARBS                   23269            206.48             189.25   
COREY D LAWYER                     23270             46.46              42.87   
ELIZABETH A LAWYER                 23271            259.10             235.55   
NEDRA J MADRON                     23272            186.02             157.49   
CORT T MASSEY                      23273            196.25             180.00   
AMANDA J MILLER                    23274             87.55              80.80   
SHEILA D ROGGOW                    23275            144.21             132.70   

MICHAEL J ARTHURS                  23276            308.21             248.60   
KRISTYNA L ARTZ                    23277            268.41             218.98   
ALLISON D AVERY                    23278            278.79             226.71   
AMANDA M BUIE                      23279            126.48             112.44   
JENNIFER J BURGELL                 23280             42.36              39.10   
AMANDA B BUSNELL                   23281            119.12             106.81   
LINDSEY M ERHARDT                  23282            144.92             126.40   
ELAINE M FAIRBANKS                 23283            230.90             191.07   
JAMIE L GLANDON                    23284            214.01             178.45   
KIMBERLY GORDON                    23285            121.46             111.92   
AMANDA N GRESH                     23286            174.79             148.99   
ANTHONY J HOUCHIN                  23287            191.51             161.61   
JEREMY N HUGHES                    23288            134.57             118.61   
SHANNON M LAMBERT                  23289            299.63             242.24   
RYAN E MARLEN                      23290            264.56             216.09   
JOHN T MCFARLAND                   23291            128.85             114.24   
ANN M MCMILLIN                     23292             95.84              88.13   
CHRISTEN V MOORMAN                 23293          1,392.31           1,039.30   
HEATHER M NUNLEY                   23294            137.58             120.88   
GALT M ORMISTON                    23295            189.52             175.02   
BRANDI R ROBERTS                   23296             59.46              54.80   
NATASHA Y ROCKLEY                  23297            323.22             276.94   
SHELLIE A SCHOVANEC                23298             81.73              75.45   
WILLIAM B STOOKEY                  23299            166.29             142.56   
JOSH W STROM                       23300             98.32              90.79   
JUDD L STROM                       23301            320.89             275.21   
AMANDA SULLIVAN                    23302            368.52             293.14   

JESSICA L BOOKOUT                  23303          1,019.23             767.10   
MATTHEW S BOOKOUT                  23304            865.39             658.86   
JOSHEPH A BROWN                    23305            600.00             554.10   
RONALD J CORONATO                  23306            418.08             329.48   
BETHANY L DEESE                    23307            385.89             305.91   
SARA J KELCY                       23308          3,007.22             247.88   
JEREMY J KERBY                     23309            436.86             335.70   
ROBERT C MALDONADO                 23310            883.47             676.76   
ADAM M SOUTHERLAND                 23311            459.18             347.03   
FAY A VRANA                        23312            461.44             388.32   

TRENT L BARNES                     23313            884.62             659.05   
ELIZABETH A HUSBY                  23314            319.88             257.23   
JACQUETTA Y LANGSTON               23315            387.82             324.76   
YVETTE L LEDEAU                    23316            439.08             405.49   
VINCENT D LEWIS                    23317             67.30              62.15   
PAUL A MALVEAUX                    23318             95.24              87.87   
MELINDA J MCPHETRIDGE              23319            455.26             356.67   
JONATHAN M MOULDER                 23320            257.01             235.67   
PETER ROBERSON                     23321            238.55             219.07   
GREG E THORSEN                     23322             36.00              33.25   

SHARON L BROWN                     23323            380.63             351.43   
DAVID K DUNCAN                     23324            168.00             143.85   
MELISSA D HARDIN                   23325            169.28             155.60   
ROBERT C LORENZ                    23326            391.88             310.31   
EMILY A LYTLE                      23327             84.98              78.21   
KIRSTEN D SCHOOK                   23328            884.62             677.57   
TRACY S SHAW                       23329            177.68             163.22   
KATE A ZERBST                      23330            333.00             266.91   

KENDRA S CAMPBELL                  23331            166.26             142.54   
NATHAN L GIFFORD                   23332            177.27             150.87   
KIRK M JORGENSEN                   23333            326.25             261.92   
ZANE M KESSLER                     23334            204.51             171.33   
DAVID R KLEIN                      23335            280.20             227.76   
CALLIE A LIDDELL                   23336             90.09              82.87   
SUZANNE F LINDSAY                  23337          1,276.92             804.13   
BRAD L MILBURN                     23338             74.52              68.82   
JOEL C PRICE                       23339            192.35             176.48   
DAVID M SEVER                      23340            285.04             231.37   
MARILYN F ST AUBIN                 23341            319.45             291.39   
CHAD E VANHORN                     23342            179.76             165.10   
ANDREW C WATKINS                   23343            264.24             215.86   
SHILDON R WOOLARD                  23344            190.02             160.50   

GLENDA D BATES                     23345            123.65             110.27   
KATHRIN E BATES                    23346            413.34             326.01   
CHAD L BENNETT                     23347            557.83             430.39   
CHAD CLINGMAN                      23348            152.75             131.33   
GLENN R EATON                      23349            246.43             202.64   
BETO L ENGST                       23350            399.23             315.68   
LISA GARRISON                      23351            484.26             405.33   
DAVIN J HARRISON                   23352             38.06              35.15   
JEREMY W HOLLARS                   23353            341.97             290.89   
JOSHUA A JANACEK                   23354            923.08             686.11   
SEANTA LANG                        23355            129.63             114.83   
JOHN D LEON                        23356            467.49             431.73   
NANCY J MIZELLE               VOUCHER                30.52                -     
LAVERN MOURNING                    23357            969.33             378.64   
LACEY M NALL                       23358             70.13              64.60   
BILLY W SEAMSTER                   23359            658.80             519.70   
JOSE URESTI                        23360            166.97             153.49   
DENA L WOOD                        23361             73.44              60.12   

MARK R BAILEY                      23362          1,153.85             775.84   
FRANK J BARANOWSKI                 23362            121.22             108.41   
ANDREW J CARLETON                  23364            350.41             297.12   
GALIEO V CATRON                    23365            408.31             339.88   
STEFANIE M DAY                     23366            227.80             210.38   
CASEY L DUNCAN                     23367             80.27              74.11   
BRANDON L JOHNSON                  23368            484.16             377.65   
KARI M LAUDERDALE                  23369            180.08             153.00   
DARCI D MCCURDY                    23370            423.97             351.38   
DAVE K MCINNIS                     23371            179.94             165.26   
MICHELLE E MOON                    23372            257.75             211.02   
TAMARAH M MOORE                    23373            218.09             181.49   
RHETT A MURPHY                     23374            204.88             171.62   
JUSTIN R PARK                      23375            185.38             157.00   
KATIE R PICKENS                    23376            297.64             240.76   
RUSHING L RICHARD                  23377            344.19             292.53   
LISA K SMITH                       23378            440.85             381.28   
KEELY M TROUT                      23379            147.47             128.33   
TIFFANY I WOODS                    23380            172.25             147.06   

JOSEPH C AYALA                     23381            243.24             224.63   
SARAH A AYALA                      23382            594.00             455.92   
JOSEPH D CALDWELL                  23383            273.75             240.07   
HENRY S DANGERFIELD                23384            356.80             329.51   
STACY L EDWARDS                    23385            660.00             574.79   
MEARA B EICHERT                    23386            235.68             217.65   
JOHN D GABRIEL                     23387            558.00             448.51   
CHRISTOPHER R GREEN                23388          1,000.00             773.56   
PHILLIP B HICKMAN                  23389             77.63              71.69   
KRISTEN D HILL                     23390            227.58             205.56   
MICHAEL M KENNETT                  23391            114.75             103.49   
JOSEPH P LEMIEUX                   23392            839.38             660.56   
TIFFANY A MALY                     23393            245.47             201.93   
CHRIS J MILLER                     23394            518.00             419.95   
KELSEY N MISHKIN                   23395            204.54             187.49   
SERKAN A OZTURK                    23396            305.78             246.81   
TION L PUETZ                       23397            167.06             143.14   
MATTHEW D RICHEY                   23398            488.25             450.90   
STEPHANIE M ROYCE                  23399            280.30             258.86   
MICHAEL G SHCULZ                   23400            158.29             136.50   
MICHAEL J SPRADLIN                 23401            545.99             502.92   
AARON M THORNHILL                  23402            666.00             506.41   
GRANT H VANCIL                     23403            112.99             104.34   
THOMAS G VARNER                    23404            236.25             211.99   
MATTHEW W WAGONER                  23405            342.16             315.99   
JONATHAN C WARD                    23406             81.25              75.01   
KAYT E WEAVER                      23407            103.27              94.71   

DUSTIN E BLACK                     23408            224.90             203.57   
BENJAMIN D BRUCE                   23409             89.71              82.53   
ANDREW S CASSELL                   23410            291.94             236.52   
SARAH E DEVERGES                   23411            131.17             106.30   
DAYTON DIGIACOMO                   23412            302.28             276.36   
LESLIE A FINE                      23413            376.72             316.55   
JEREMY LEAL                        23414            123.09             113.41   
MARY A LEHMAN                      23415            194.43             178.36   
DAVID F NOBLE                      23416            142.86             124.86   
JOH H PHELPS                       23417          1,026.93             722.51   

KINA D BAILEY                      23418            371.20             295.13   
KEITH CREIGHTON                    23419          1,026.93              96.01   
WESLEY L GALLOWAY                  23420             94.50              86.90   
LARESSA MORENO HARTLEY             23421            720.00             594.20   
TENA M THIERRY                     23422            399.75             350.91   
DOUG N WILKINSON                   23423            263.90             239.20   
JENNIFER L WILKINSON               23424            485.75             440.55   

BRIDGET L BRADEN                   23425            173.80             160.50   
CHRISTOPHER D CLEMENTS             23426            138.42             127.83   
BILLY R COX                        23427            586.20             486.50   
DARLENE M CURRIN                   23428            511.35             397.37   
BETHANY J GARCIA                   23429            205.59             189.86   
JOSHUA R JACKSON                   23430            410.28             323.77   
JOSHUA J ONLEY                     23431            387.55             357.90   
ROBIN L PETRONE                    23432            730.77             583.99   
KELSEY L ROYCE                     23433            345.24             275.95   
CHRIS L SCHLUNEGER                 23434            449.54             370.08   
AMANDA N WAYMAN                    23435             36.85              34.04   
KATHRYN L WILLIAMSON               23436            280.03             227.63   

JOSEPH L AZAR                      23437            375.36             298.19   
RHONDA E BLAYLOCK                  23438          1,423.08           1,071.21   
EDMUND C BROWN                     23439            594.51             456.28   
MATTHEW W CAMPBELL                 23440            107.93              98.28   
ABBIE E CONKLING                   23441            262.50             214.55   
RACHEL R CONKLING                  23442            108.00              98.32   
JAIME M DERECSKEY                  23443            711.54             556.46   
WESTON T EDWARDS                   23444             69.69              64.36   
HERBERT W FLYNN                    23445             68.16              62.94   
CHRISTINE A HURSH                  23446             38.50              35.55   
JASON D LIKE                       23447            301.88             243.92   
REBECCA L NOTT                     23448            150.00             130.23   
JOE M PALMER                       23449            225.00             186.67   
BRENDAN M SMITH                    23450            163.88             151.05   
PENNY M SPIEGEL                    23451            324.00             260.26   
RACHEL A STOUT                     23452            281.89             229.01   
JOHN M UNDERWOOD                   23453            103.50              94.88   
DAVID K UPTGRAFT                   23454            520.00             403.55   
ROBERT D WASSON                    23455            230.52             190.80   

CHARISSA L BALL                    23456             97.86              90.37   
DARCIL BROWN                       23457            504.74             392.00   
ANDREA L HOVER                     23458             84.42              77.97   
EMILY E MANSKE                     23459             21.66              20.01   
TANISHA J OVALLE                   23460            223.93             184.70   
AMBER D PALMITTER                  23461            505.51             437.79   
ETHEL A RUGGLES                    23462            505.18             392.40   
CHERISE SCHNEIDER                  23463            172.80             159.58   
TALITHA R SCHNEIDER                23464            157.25             145.22   
JOSEPH R SCHUMACHER                23465            477.33             371.84   
EBONY M SIMON                      23466            519.19             402.75   
RICHARD C WALLACE                  23467          1,200.00             893.28   

COURTNEY E BISHOP                  23468            112.35             102.19   
JACKI D CINOTTO                    23469            438.83             343.40   
OMAR GARCIA                        23470            556.17             449.25   
JAY A GOULD                        23471          1,046.15             837.05   
JENNY D GRIGGS                     23472            130.73             115.67   
BENJAMIN C HIGGINS                 23473          1,138.00             838.79   
JESSICA L MORGAN                   23474            191.63             160.84   
ASHLEY E NORTHRUP                  23475            175.61             149.01   
ASHLEY F NORTON                    23476            312.38             250.01   

JEREMY A DAWKINS                   23477            576.40             464.17   
SHELLEY T DAWKINS                  23478            493.63             383.86   
BRANDON C WHITE                    23479            826.93             647.87   

MELINDA L AKINS                    23480            249.51             204.92   
SARAH A BLAKE                      23481            122.63             109.49   
JEREMY T CANNON                    23482            180.38             165.55   
VILLIAM W CHANCE                   23483            250.86             222.88   
KATIE C CIAMBELLA                  23484            203.78             186.82   
JESSICA A CONSTANTINE              23485            205.23             171.87   
CELESTE I DERRINGER                23486            664.00             536.37   
DAVID R DOWDNEY                    23487             46.35              42.81   
JOHN B GARLING                     23488            248.85             193.68   
RYAN W GIBSON                      23489            189.67             160.24   
MAJIX S JOHNSON                    23490            474.06             397.73   
DONALD J LEMONIER                  23491            174.83             149.01   
REBECCA J LUCAS                    23492            357.57             285.06   
LAUREL L MCLAUCHLIN                23493            201.43             169.03   
NATHAN R MICHAEL                   23494            185.09             169.92   
STEVE L MICHAEL                    23495             91.00              73.22   
JACQUELINE M MICHIE                23496            134.42             118.50   
REBEKA L NOULLES                   23497            124.12             110.63   
CHRISTOPHER B OLIVER               23498            336.50             247.99   
BRENT E PLAZICO                    23499            203.99             186.99   
ANGELINA M REID                    23500            368.16             327.56   
WILLIAM J RIEG                     23501            198.77             167.05   
RYAN M SHANNON                     23502            166.14             142.45   
TYLER M STEER                      23503            121.26             108.44   
RACHEL S SWENTON                   23504            138.23             121.37   
JAMES D TRENT                      23505             42.17              38.93   
JASON L WRIGHT                     23506            258.15             211.32   

BROOKE J BIGBIE                    23507             78.38              72.38   
MARK E BUSHEY                      23508             91.80              84.71   
MITCH K COATHEY                    23509            279.13             244.07   
JASON M DRENNAN                    23510            361.26             287.78   
HOLLY L KINDRICK                   23511             27.50              25.39   
AMY E KOTZUR                       23512            121.28             111.75   
SCOTTY J MURRAY                    23513            131.79             116.49   
REBEKA R OBERLY                    23514            853.85             662.65   
MICHAEL W ROBERTS                  23515            108.87              98.99   
ROCKY A SKARDA                     23516            177.68             151.17   
MATTHEW A VANHORN                  23517             79.38              73.09   
SCOTT D WHITE                      23518             85.90              79.04   

SARA A ANIKIENKO                   23519            357.84             281.21   
BRANDY S BREWER                    23520            321.11             254.00   
NATHAN C FEDOR                     23521             36.05              32.52   
JESSICA J MANSELL                  23522            136.99             124.82   
TARA L MASSENGATE                  23523            242.77             214.19   
LUIS J MAYEN                       23524             69.38              62.62   
TONYA MORROW                       23525            401.39             370.68   
CHISTAL PREWITT                    23526            284.13             226.60   
JULIE E PRICE                      23527            320.63             253.64   
CRYSTAL R TAYLOR                   23528            846.16             656.69   
TANYA V UDICK                      23529            475.61             385.80   
REGINA F WILSON                    23530            653.85             497.87   

       COMPANY TOTALS                        104,340.70          86,140.07

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.  
CASE NO.  00-10275  

CHAPTER 11  
MONTHLY REPORTING AFFIDAVIT   
FOR THE MONTH ENDING FEBRUARY 23, 2000    

ITEM # 5 ACCOUNTS PAYABLE DETAIL TRIAL BALANCE  

NAME OF VENDOR                VENDOR #           INVOICE #            AMOUNT    

KGE KANSAS GAS SERVICE                 5          021400/41             66.53   
                                               021400/41B           227.43
                                               021400/44            169.97
                                               021400/45            144.25

       VENDOR TOTAL                                                 608.18

BELLSOUTH IN US FUNDS                 33          02044/151            115.88   

GREAT PLAINS COCA COLA                82          65387759             171.00   
                                               65513446              57.00
                                               67231675              42.75

       VENDOR TOTAL                                                 270.75

OKLAHOMA GAS & ELECTRIC              132          020800/23            412.29   
                                               020800/51            922.72
                                               020800/51B            36.08

       VENDOR TOTAL                                               1,371.09

GMAC                                 140          021500               343.16   

PSO                                  265          020800/35             34.25   
                                               020800/35B           369.84

       VENDOR TOTAL                                                 404.09

CITY OF TULSA                        274          021600/36             29.23   
                                               021800/35             62.50

       VENDOR TOTAL                                                  91.73

INSURANCE MANAGEMENT ASSO.           378          021000            10,769.00   

AIRBORNE EXPRESS                     392          X1993854              50.70   

ADT SECURITY SYSTEMS IN              437          68612928              37.84   

DELANO BAKERY                        494          149853                24.80   
                                               149920                82.35

       VENDOR TOTAL                                                 107.15

SOUTHWESTERN BELL TELE               542         021100/21              67.43   
                                              021100/31              55.96

       VENDOR TOTAL                                                 123.39

ORKIN EXTERMINATING CO               713          28248858              33.00   
                                               31834876              33.00
                                               31834899              33.00

       VENDOR TOTAL                                                  99.00

LUCENT TECHNOLOGIES                  853          021400               312.79   

CITY OF OKLAHOMA CITY                978          021600/22             25.00   
                                               021600/23             25.00

       VENDOR TOTAL                                                  50.00

TULSA FRUIT COMPANY                 1222          287270                14.10   
                                               290399                13.05
                                               290830                36.55
                                               291573                34.38
                                               292016                16.01

       VENDOR TOTAL                                                 114.09

TCI CABLEVISION OF TULSA            1491          021500/35             45.42   

SWISHER                             1566          4819745               14.00   
                                               4856841               14.00
                                               4856867               13.50
                                               4856858               13.50

       VENDOR TOTAL                                                  55.00

COX COMMUNICATIONS                  1597          021400/45             53.52   

FALCON CAPTIAL LLC                  1654          76090                314.40   
                                               76091                379.74

       VENDOR TOTAL                                                 694.14

ORKIN EXTERMINATING                 2037          33317740              33.00   

VENICE ENTERPRISES, INC.            2069          15828              1,621.40   

ORKIN EXTERMINATING                 2164          32368672              38.50   

PAYROLL EXPRESS                     2197          021600               474.50   

ENDO'S COFFEE ROASTERY              2285          395                  202.50   

FARM FRESH DSD DIV                  2286          303980                21.24   

IKON OFFICE SOLUTIONS               2400          569050                60.00   

IOS CAPITAL                         2405          46597939             346.38   

OKLAHOMA STATE DEPT HEALTH         26000          044236               100.00   
                                               48054                100.00

       VENDOR TOTAL                                                 200.00

PITNEY BOWES                        2604          308779                26.70   

ROBBINS RESTAURANT REPAIR           2616          4662                 580.00   

       REPORT TOTALS                                             19,321.14

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.  
CASE NO.  00-10275    

CHAPTER 11    
RECEIPTS AND DISBURSEMENTS STATEMENT  
FOR THE MONTH ENDING FEBRUARY 23, 2000  

1   BEGINNING CHECKBOOK BALANCE                                      (11,914)   

2   CASH RECEIPTS FOR THE MONTH                                                 
COLLECTION OF ACCOUNT RECEIVABLE          1,155   
CASH SALES                              508,532   
SALARY                                            
PROCEED FROM LOANS                      100,000   
GOVERNMENT PAYMENTS                               
OTHER (INTEREST, DIVIDENDS, GIFTS)                

            TOTAL CASH RECEIPTS FOR THE MONTH                      609,685

3   CASH DISBURSEMENTS FOR THE MONTH                                            
             PER ATTACHED LIST OF DISBURSEMENTS     (534,549)      (534,549)
OTHER                                             

4   ENDING CHECKBOOK BALANCE (1+2-3)                                   63,224   

ONE BANK ACCOUNT NOT RECONCILED - STMT NOT RECEIVED AS OF 3/14/00       

CASH SUMMARY - END OF MONTH                                                     

ACCOUNT NO OR LOCATION        

PETTY CASH/CASH ON HAND            ALL STORES                           9,448   

REGUALR CHECKING                   MAIN/STILLWATER/OKC/TULSA                    
                                WICHITA/NORMAN/ALABAMA              30,164

PAYROLL/TAX ACCOUNT                MAIN PAYROLL ACCT IN STILL          23,612   

CD                                                                              

OTHER                                                                           

  TOTAL (SHOULD AGREE WITH 4. ABOVE)                                63,224

NOTE:  A COPY OF A BANK STATEMENT FROM EACH BANK ACCOUNT AND A                  
RECONCILIATION BETWEEN THE STATEMENT AND YOUR CHECKBOOK MUST ACCOMPANY          
THIS STATEMENT.                                                                 

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275    

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT     
FOR THE MONTH ENDING FEBRUARY 23, 2000      

TOTAL DISBURSEMENTS - SUMMARY   

NAME OF VENDOR                     CK #        DESCRIPTION           AMOUNT     

BUILDERS INC                       50860          RENT               2,696.82   
MVP LIMITED PARTNERSHIP            50861          RENT               2,868.49   
MARK D ATKINSON                    50862          RENT                 999.65   
RUTH FISHER                        50863          RENT                 851.72   
BAGEL LAND                         50864          RENT               2,577.58   
CAMPUS CORNER ASSOCIATES           50865          RENT               1,950.00   
EDMOND PLAZA CORP                  50866          RENT               1,763.90   
KOLL MANAGEMENT SERVICE            50867          RENT               1,429.78   
92 BRIXTON SQUARE LTD              50868          RENT               1,371.71   
H W ALLEN CO                       50869          RENT               2,401.86   
LIGHTHOUSE ONE                     50870          RENT               2,703.61   
FEDERAL EXPRESS                    50871          SUPPLIES             216.08   
PRICE EDWARDS                      50872          RENT               3,335.17   
CITY OF THE VILLAGE                50873          UTILITIES            182.66   
OKLAHOMA NATURAL GAS               50874          UTILITIES          1,272.73   
CITY OF TULSA                      50875          UTILITIES            268.25   
INSURANCE MANAGEMENT ASSO          50876          INSURANCE         10,730.00   
INTERVEST FIRST PLACE              50877          RENT               1,859.70   
SOUTHWESTERN BELL TELE             50878          UTILITIES            131.05   
PARK LANE SHOPPING CENTER          50879          RENT               1,434.48   
CITY OF OKLAHOMA CITY              50880          UTILITIES            307.17   
WOODYARD TRUST                     50881          RENT                 515.52   
HARRY MARTON                       50882          RENT                 515.52   
QUICK TRIP                         50883          RENT               2,613.89   
BRADLEY FAIR                       50884          RENT               3,580.76   
CITY OF TUSCALOOSA                 50885          UTILITIES             34.84   
B & E ENTERPRISES                  50886          RENT               2,924.99   
ALABAMA GAS CORPORATION            50887          UTILITIES            100.94   
L.P.V. PROPERTIES                  50888          RENT               3,241.03   
J. R. BRADLEY                      50889          RENT                 224.14   
PAYROLL EXPRESS                    50890          PROFESSIONAL       1,046.75   
PRINCIPLE LIFE INSURANCE           50891          HEALTH INSURANCE   6,950.17   
PAYROLL CHECKS                                    PAYROLL          180,622.52   
PAYROLL CHECKS                                    PAYROLL TAXES     34,221.85   
BANK RECONCILIATIONS                              CASH OVER/SHORT      490.97   
BANK RECONCILIATIONS                              BANK CHARGES       2,714.81   
AUTOMATIC PAYMENT - KMAZ                          LEGAL             15,000.00   
AUTOMATIC PAYMENT - COMERCIAL EQUITY              INSURANCE          2,833.00   
PAID OUTS                                         COST OF SALES    212,742.03   
PAID OUTS                                         REPAIRS            7,280.85   
PAID OUTS                                         CASH OVER/SHORT    1,489.00   
PAID OUTS                                         ADVERTISING        3,864.39   
PAID OUTS                                         OPERATING SUPPIES  7,379.16   
PAID OUTS                                         UTILITIES          2,809.78   

       TOTAL DISBURSEMENTS FOR PERIOD                           534,549.32

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.  
CASE NO.  00-10275    

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT     
FOR THE MONTH ENDING FEBRUARY 23, 2000      

         CHECK REGISTER FOR OPERATIONS

NAME OF VENDOR                     CK #        DESCRIPTION          AMOUNT      

BUILDERS INC                       50860          RENT               2,696.82   
MVP LIMITED PARTNERSHIP            50861          RENT               2,868.49   
MARK D ATKINSON                    50862          RENT                 999.65   
RUTH FISHER                        50863          RENT                 851.72   
BAGEL LAND                         50864          RENT               2,577.58   
CAMPUS CORNER ASSOCIATES           50865          RENT               1,950.00   
EDMOND PLAZA CORP                  50866          RENT               1,763.90   
KOLL MANAGEMENT SERVICE            50867          RENT               1,429.78   
92 BRIXTON SQUARE LTD              50868          RENT               1,371.71   
H W ALLEN CO                       50869          RENT               2,401.86   
LIGHTHOUSE ONE                     50870          RENT               2,703.61   
FEDERAL EXPRESS                    50871          SUPPLIES             216.08   
PRICE EDWARDS                      50872          RENT               3,335.17   
CITY OF THE VILLAGE                50873          UTILITIES            182.66   
OKLAHOMA NATURAL GAS               50874          UTILITIES          1,272.73   
CITY OF TULSA                      50875          UTILITIES            268.25   
INSURANCE MANAGEMENT ASSO          50876          INSURANCE         10,730.00   
INTERVEST FIRST PLACE              50877          RENT               1,859.70   
SOUTHWESTERN BELL TELE             50878          UTILITIES            131.05   
PARK LANE SHOPPING CENTER          50879          RENT               1,434.48   
CITY OF OKLAHOMA CITY              50880          UTILITIES            307.17   
WOODYARD TRUST                     50881          RENT                 515.52   
HARRY MARTON                       50882          RENT                 515.52   
QUICK TRIP                         50883          RENT               2,613.89   
BRADLEY FAIR                       50884          RENT               3,580.76   
CITY OF TUSCALOOSA                 50885          UTILITIES             34.84   
B & E ENTERPRISES                  50886          RENT               2,924.99   
ALABAMA GAS CORPORATION            50887          UTILITIES            100.94   
L.P.V. PROPERTIES                  50888          RENT               3,241.03   
J. R. BRADLEY                      50889          RENT                 224.14   
PAYROLL EXPRESS                    50890          PROFESSIONAL       1,046.75   
PRINCIPLE LIFE INSURANCE           50891          HEALTH INSURANCE   6,950.17   

       TOTAL DISBURSEMENTS                                       63,100.96

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275    

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT   
FOR THE MONTH ENDING FEBRUARY 23, 2000    

CHECK REGISTER FOR PAYROLL ACCOUNT  

NAME OF EMPLOYEE                   CK #            AMOUNT                       

DEBOARH FARRIS                     22591            624.55                      
ROBERT GERESI                      22592          2,773.77                      
AMY LITTLEFIELD                    22593             91.93                      
ROBBIE SASSER                      22594            746.50                      
VINCE VRANA                        22595          2,408.74                      
RICHARD WEBB                       22596          2,686.07                      
KRISTIN AHOLT                      22597             51.49                      
KIMBERLE BOONE                     22598             77.22                      
TARA BUCK DEARDEUFF                22599            288.79                      
ANTHONY BUJAK                      22600            228.52                      
KIRSTEN CERCY                      22601             51.13                      
JASON CRULL                        22602            664.04                      
KEVIN FORSMAN                      22603            219.37                      
BO GALLIMORE                       22604            388.41                      
SEAN HADFIELD                      22605             60.44                      
MARVIN HAMILTON                    22606            267.84                      
AMANDA HRABAN                      22607            123.62                      
CHRISTOPHER HUMMEL                 22608            144.44                      
RANSON JACKSON                     22609            195.53                      
JESSICA JENKINS                    22610            104.30                      
PATRICK JOHNSON FRASIER            22611            363.61                      
ROBERT JOHNSON                     22612             13.70                      
MOZHGAN SHARIAT                    22613            229.99                      
KEVIN VANDEVENTER                  22614            360.16                      
TERRY BUJAK                        22615            333.56                      
ERIN COPELAND                      22616            251.38                      
KERRY ENGER                        22617            650.52                      
LORI GEIGER                        22618             46.47                      
AMBER HENDRIX                      22619            136.16                      
ROBBIE HOLCOMB                     22620            175.54                      
JENNIFER KARBS                     22621            145.78                      
COREY LAWYER                       22622             60.52                      
ELIZABETH LAWYER                   22623            207.06                      
CORT MASSEY                        22624            206.70                      
AMANDA MILLER                      22625             19.64                      
JENNIFER ROARK                     22626             17.46                      
SHEILA ROGGOW                      22627            212.06                      
MICHAEL ARTHURS                    22628            225.88                      
KRISTYNA ARTZ                      22629            192.72                      
ALLISON AVERY                      22630            174.30                      
AMANDA BUIE                        22631             83.94                      
AMANDA BUSHNELL                    22632            119.31                      
LINDSEY ERHARDT                    22633            103.86                      
ELAINE FAIRBANKS                   22634            224.02                      
JAMIE GLANDON                      22635            175.60                      
KIMBERLY GORDON                    22636            172.17                      
AMANDA GRESH                       22637            170.22                      
ANTHONY HOUCHIN                    22638            187.74                      
JEREMY HUGHES                      22639            103.71                      
SHANNON LAMBERT                    22640            204.16                      
RYAN MARLEN                        22641            215.01                      
JOHN MCFARLAND                     22642            154.57                      
ANN MCMILLIN                       22643             75.62                      
CHRISTEN MOORMAN                   22644          1,039.30                      
HEATHER NUNLEY                     22645            106.98                      
BRANDI ROBERTS                     22646             87.66                      
NATASH ROCKLEY                     22647            171.18                      
SHELLIE SCHOVANEC                  22648            111.90                      
WILLIAM STOOKEY                    22649            213.02                      
JUDD STROM                         22650            334.19                      
AMAND SULLIVAN                     22651            306.61                      
JESSICA BOOKOUT                    22652            787.10                      
MATHEW BOOKOUT                     22653            611.14                      
JOSEPH BROWN                       22654            428.07                      
JANET CONDREN                      22655            354.71                      
STEVEN CONDREN                     22656            242.44                      
RONALD CORONATO                    22657            342.31                      
BETHANY DEESE                      22658            317.52                      
SARA KELCY                         22659            226.36                      
JEREMY KERBY                       22660            374.00                      
ROBERT MALDONADO                   22661            676.76                      
JONATHAN MOULDER                   22662            189.72                      
KYLE ODONLEY                       22663            146.26                      
BILLY SEAMSTER                     22664            572.27                      
ADAM SOUTHERLAND                   22665            306.57                      
FAY VRANA                          22666            332.19                      
TRENT BARNES                       22667            659.05                      
ELIZABETH HUSBY                    22668          2,225.76                      
JACQUETTA LANGSTON                 22669            269.37                      
YVETTE LEDEAU                      22670            435.69                      
PAUL MALVEAUX                      22671             89.11                      
PETER ROBERSON                     22672            242.25                      
GREG THORSEN                       22673            334.81                      
SHARON BROWN                       22674            393.05                      
DAVID DUNCAN                       22675            113.06                      
MELISSA HARDIN                     22676            169.42                      
ROBERT LORENZ                      22677            293.12                      
EMILY LYTLE                        22678            163.79                      
YOUNES MERBOUHI                    22679            227.72                      
KIRSTEN SCHOOK                     22680            677.57                      
TRACY SHAW                         22681            174.86                      
KATE ZERBST                        22682            209.20                      
KENDRA CAMPBELL                    22683            185.58                      
NATHAN GIFFORD                     22684            117.90                      
JENNIFER HENDERSON                 22685            265.35                      
KIRK JORGENSEN                     22686            226.12                      
DAVID KLEIN                        22687            321.14                      
CALLIE LIDDELL                     22688            111.90                      
SUZANNE LINDSAY                    22689            804.13                      
BRAD MILBURN                       22690            172.96                      
JOEL PRICE                         22691            187.69                      
ERICA SCHAFER                      22692             50.48                      
DAVID SEVER                        22693            230.47                      
ROBERT SIMMONS                     22694            145.06                      
MARILYN ST AUBIN                   22695            260.47                      
CHAD VANHORN                       22696            154.42                      
ANDREW WATKINS                     22697            199.93                      
SHILOH WOOLARD                     22698            232.14                      
CHAD BENNETT                       22699            420.18                      
CHAD CLINGMAN                      22700            139.84                      
GLENN EATON                        22701            129.55                      
BETO ENGST                         22702            311.53                      
LISA GARRISON                      22703            289.12                      
DAVIN HARRISON                     22704            193.99                      
JEREMY HOLLARS                     22705            262.46                      
JOSHUA JANACEK                     22706            479.33                      
JOHN LEON                          22707            467.17                      
NANCY MIZELLE                      22708            429.29                      
LAVERN MOURNNG                     22709            422.16                      
LACEY NALL                         22710             82.73                      
BRANDY TAYLOR                      22711            151.21                      
JOSE URESTI                        22712            197.59                      
DENA WOOD                          22713             91.23                      
MARK BAILEY                        22714            775.84                      
FRANK BARANOWSKI                   22715             43.11                      
ANDREW CARLETON                    22716            322.83                      
GALILEO CATRON                     22717            321.42                      
STEFANIE DAY                       22718            210.61                      
CASEY DUNCAN                       22719            136.59                      
TOBY FULLBRIGHT                    22720            110.18                      
BRANDON JOHNSON                    22721            189.14                      
KARI LAUDERDALE                    22722            104.60                      
DARCI MCCURDY                      22723            434.20                      
DAVE MCINNIS                       22724            202.70                      
MICHELLE MOON                      22725            265.29                      
TAMARAH MOORE                      22726             78.77                      
RHETT MURPHY                       22727            255.97                      
IVY NGUYEN                         22728            108.54                      
KATIE PICKENS                      22729            247.18                      
RUSHING RICHARD                    22730            250.39                      
LISA SMITH                         22731            330.32                      
CRYSTAL TERREBONNE                 22732            317.47                      
KEELY TROUT                        22733             89.97                      
TIFFANY WOODS                      22734             52.81                      
JOSEPH AYALA                       22735            195.98                      
SARA AYALA                         22736            455.92                      
JOSEPH CALDWELL                    22737            373.17                      
HENRY DANGERFIELD                  22738            118.20                      
STACY EDWARDS                      22739            574.79                      
MEARA EICHERT                      22740            180.75                      
JOHN GABRIEL                       22741            573.68                      
CHRISTOPHER GREEN                  22742            773.56                      
PHILLIP HICKMAN                    22743             95.64                      
KRISTEN HILL                       22744            199.79                      
MICHAEL KENNETT                    22745            357.68                      
ERIC KIDWELL                       22746             81.20                      
JOSEPH LEMIEUX                     22747            587.15                      
TIFFANY MALY                       22748            178.23                      
CHRIS MILLER                       22749            419.95                      
KELSEY MISHKIN                     22750            136.12                      
SERKAN OZTURK                      22751            204.35                      
TION PUETZ                         22752            140.43                      
CHRISTINA REYES                    22753            290.29                      
MATTHEW RICHEY                     22754            547.53                      
STEPHANIE ROYCE                    22755            209.12                      
MICHAEL SCHULZ                     22756            167.25                      
MICHAEL SPRADLIN                   22757            481.21                      
AARON THRONHILL                    22758            519.27                      
GRANT VANCIL                       22759            112.63                      
THOMAS VARNER                      22760            168.72                      
MATTHEW WAGONER                    22761            382.88                      
JONATHAN WARD                      22762             93.67                      
KAYT WEAVER                        22763            115.47                      
EMILY WEBB                         22764             89.72                      
BENJAMIN BRUCE                     22765            153.35                      
ANDREW CASSELL                     22766            319.37                      
DAYTON DIGIACOMO                   22767            346.83                      
LESLIE FINE                        22768             82.94                      
JEREMY LEAL                        22769             27.59                      
MARY LEHMAN                        22770             96.41                      
DAVID NOBLE                        22771            190.25                      
JON PHELPS                         22772            722.51                      
STEVE RALSTON                      22773            350.31                      
SHAVONE TAYLOR                     22774            211.13                      
KEITH CREIGHTON                    22775            796.01                      
WESLEY GALLOWAY                    22776            161.99                      
LISA GONZALES                      22777             42.85                      
LARESSA MORENO HARTLEY             22778            594.20                      
JEREMY SIZEMORE                    22779             47.65                      
TENA THIERRY                       22780            442.68                      
DOUG WILKINSON                     22781            127.93                      
JENNIFER WILKINSON                 22782            255.89                      
JOSEPH AZAR                        22783            303.79                      
BRIDGET BRADEN                     22784             54.89                      
CHRISTOPHER CLEMENTS               22785            173.93                      
BILLY COX                          22786            350.36                      
DARLEN CURRIN                      22787            478.23                      
BETHANY GARCIA                     22788            110.28                      
JOSHUA JACKSON                     22789            293.50                      
MICHAEL KING                       22790             17.26                      
LAYNA MELVER                       22791            130.11                      
JOSHUA ONLEY                       22792            336.93                      
ROBIN PETRONE                      22793            583.99                      
BRIANNA RAY                        22794             84.97                      
CHRIS SCHLUNGER                    22795            335.17                      
SHARON TIPTON                      22796            336.04                      
AMANDA WAYMAN                      22797            289.51                      
RHONDA BLAYLOCK                    22798          1,089.28                      
EDMUND BROWN                       22799            536.59                      
MATTHEW CAMPBEL                    22800            194.32                      
RACHEL CONKLING                    22801            112.07                      
JAIME DERECSKEY                    22802            556.46                      
HERBERT FLYNN                      22803            112.31                      
IVY HALLFOR                        22804             96.04                      
REBECCA NOTT                       22805            112.07                      
SHANON OWENS                       22806            101.54                      
JOE PALMER                         22807            183.91                      
JESSIE PITTS                       22808            173.44                      
PENNY SPIEGEL                      22809            313.76                      
RACHEL STOUT                       22810            176.22                      
JOHN UNDERWOOD                     22811             87.46                      
DAVID UPTGRAFT                     22812            398.32                      
MAURICE WALLACE                    22813             74.32                      
ROBERT WASSON                      22814            118.16                      
CHARISSA BALL                      22815             15.41                      
JAMIE BARLOW                       22816            284.22                      
DARCIL BROWN                       22817            395.94                      
COURTNEY CUMINGS                   22818            155.57                      
JAY GATES                          22819            548.80                      
RHONDA GILMER                      22820            498.64                      
BRIDGET HARRISON                   22821            113.51                      
LINDA HAYES                        22822            109.87                      
ANDREA HOOVER                      22823             38.34                      
CARISSA LITTLEJOHN                 22824            377.97                      
TANISHA OVALLE                     22825            314.45                      
AMBER PALMITIER                    22826            429.22                      
ETHEL RUGGLES                      22827            354.97                      
CHERISE SCHNEIDER                  22828            143.73                      
TALITHA SCHNEIDER                  22829            158.71                      
JOSEPH SCHUMACHER                  22830            285.85                      
CAROL SHIVELY                      22831            583.11                      
EBONY SIMON                        22832            284.21                      
RYAN SMITH                         22833             30.70                      
RICHARD WALLACE                    22834            893.28                      
COURTNEY BISHOP                    22835            169.06                      
JACKI CINOTTO                      22836            295.54                      
OMAR GARCIA                        22837            447.65                      
JAY GOULD                          22838            837.05                      
JENNY GRIGGS                       22839            101.56                      
BENJAMIN HIGGINS                   22840            674.06                      
JESSICA MORGAN                     22841            110.95                      
ASHLEY NORTHRUP                    22842            154.36                      
MARISSA PHAM                       22843            190.63                      
MELISSA SEAMSTER                   22844            345.27                      
JEREMY DAWKINS                     22845            494.53                      
SHELLEY DAWKINS                    22846            193.14                      
KRISTEN DEBOISE                    22847             65.49                      
VINCENT MANUEL                     22848             87.10                      
PALOMA SORIA                       22849            150.15                      
SARAH STEVENS                      22850            167.16                      
RYAN UTTER                         22851            217.31                      
BRANDON WHITE                      22852            647.87                      
STEPHANIE WHITE                    22853            266.22                      
MELINDA AKINS                      22854            207.96                      
CHAD ANGLIN                        22855             78.89                      
SARAH BLAKE                        22856            100.91                      
RICKY BROWN                        22857             16.79                      
MARK BUSHEY                        22858             80.16                      
WILLIAM CHANCE                     22859            142.56                      
KATIE CIAMBELLA                    22860            230.88                      
PAUL CONSTANTIKES                  22861             33.01                      
CELESTE DERRINGER                  22862            711.32                      
CASEY DICK                         22863            123.80                      
MEGHANN FREEHLING                  22864             76.20                      
JOHN GARLING                       22865             35.43                      
MAJIX JOHNSON                      22866            398.39                      
AMBER KANALY                       22867             25.09                      
HOLLY KINDRICK                     22868            156.08                      
AMY KING                           22869            124.11                      
DONALD LEMONIER                    22870            148.47                      
LAUREL MCLAUCHLIN                  22871            148.57                      
NATHAN MICHAEL                     22872            120.83                      
STEVE MICHAEL                      22873            421.01                      
ROBIN OVERLY                       22874            601.59                      
BRETN PLAXICO                      22875            176.47                      
ANGELINA REID                      22876            116.99                      
WILLIAM RIEG                       22877            176.00                      
ERIN SAUNDERS                      22878            132.84                      
RYAN SHANNON                       22879             60.17                      
TYLER STEER                        22880            152.04                      
JAMES TRENT                        22881             39.68                      
JASON WRIGHT                       22882            195.31                      
BROOKE BIGBIE                      22883             59.68                      
MITCH COATHEY                      22884            215.67                      
JASON DRENNAN                      22885            265.05                      
AMY KOTZUR                         22886             92.38                      
RUSTY KOTZUR                       22887            151.79                      
SCOTTY MURRAY                      22888             77.92                      
REBEKHA OBERLY                     22889            635.17                      
MICHAEL ROBERTS                    22890             86.15                      
ROCKY SKARDA                       22891            101.90                      
MATTHEW VANHORN                    22892             60.14                      
SCOTT WHITE                        22893             91.18                      
LAKINDA ADAMS                      22894            273.21                      
JESSICA BELLE                      22895            173.28                      
MICHAEL DANIELSON                  22896            441.98                      
MATTHEW EARNEST                    22897            161.45                      
WILLIAM EDWARDS                    22898            369.03                      
LAWRENCE GILMORE                   22899            237.23                      
KARY GOOLSBY                       22900          1,585.31                      
TWANN HATCHETT                     22901            501.49                      
SYRETTA HINSON                     22902            675.87                      
JUSTIN LENT                        22903            293.05                      
JANICE MERRILL                     22904            427.10                      
OWEN MURRY                         22905            310.54                      
MICHAEL PRESLEY                    22906            330.30                      
JOHUA REDDING                      22907            456.59                      
TAYLOR SEAGRAVES                   22908            282.11                      
RICHARD SHERMAN                    22909            355.17                      
KEILA SHIPMAN                      22910            263.25                      
JOHN TEW                           22911            309.03                      
CHRISTOPHER WRIGHT                 22912            322.80                      
SARA ANIKIENKO                     22913            221.28                      
BRANDY BREWER                      22914            145.09                      
ALICIA LAVENDER                    22915            107.80                      
JESSICA MANSELL                    22916            238.07                      
TARA MASSENGALE                    22917            220.68                      
LUIS MAYEN                         22918            175.17                      
CHARLES MCDOWELL                   22919             59.17                      
TONYA MORROW                       22920            262.58                      
CHISTAL PREWITT                    22921            252.96                      
JULIE PRICE                        22922            273.51                      
CRYSTAL TAYLOR                     22923            656.69                      
TANYA UDICK                        22924            376.78                      
REGINA WILSON                      22925            497.87                      
COMMERCE BANK                      22927         28,613.13                      
COMMERCE BANK                      22928            548.88                      
COMMERCE BANK                      22929          4,451.62                      
COMMERCE BANK                      22930            608.22                      
DEBOARH FARRIS                     22931            624.55                      
ROBERT GERESI                      22932          3,097.79                      
AMY LITTLEFIELD                    22933             23.09                      
ROBBIE SASSER                      22934            746.50                      
VINCE VRANA                        22935          2,408.74                      
RICHARD WEBB                       22936          2,950.76                      
KRISTIN AHOLT                      22937             79.85                      
KIMBERLE BOONE                     22938             43.78                      
TARA BUCK DEARDEUFF                22939            239.92                      
ANTHONY BUJAK                      22940            173.24                      
BROOKE CARTER                      22941             16.39                      
KIRSTEN CERCY                      22942             99.85                      
JASON CRULL                        22943            664.04                      
KEVIN FORSMAN                      22944            210.72                      
BO GALLIMORE                       22945            398.99                      
SEAN HADFIELD                      22946             21.10                      
MARVIN HAMILTON                    22947            213.00                      
AMANDA HRABAN                      22948             96.92                      
CHRISTOPHER HUMMEL                 22949             19.67                      
RANSON JACKSON                     22950            234.35                      
JESSICA JENKINS                    22951             46.35                      
PATRICK JOHNSON FRASIER            22952            346.70                      
ROBERT JOHNSON                     22953             60.85                      
MOZHGAN SHARIAT                    22954            119.89                      
KEVIN VANDEVENTER                  22955            315.14                      
TERRY BUJAK                        22956            387.34                      
ERIN COPELAND                      22957            217.44                      
KERRY ENGER                        22958            650.52                      
AMBER HENDRIX                      22959            101.40                      
ROBBIE HOLCOMB                     22960            176.54                      
JENNIFER KARBS                     22961            124.45                      
COREY LAWYER                       22962             48.12                      
ELIZABETH LAWYER                   22963            259.72                      
CORT MASSEY                        22964            144.40                      
AMANDA MILLER                      22965             68.35                      
SHEILA ROGGOW                      22966            103.39                      
MICHAEL ARTHURS                    22967            233.88                      
KRISTYNA ARTZ                      22968            152.74                      
ALLISON AVERY                      22969            269.45                      
AMANDA BUIE                        22970             73.12                      
AMANDA BUSHNELL                    22971             99.03                      
LINDSEY ERHARDT                    22972             94.03                      
ELAINE FAIRBANKS                   22973            187.73                      
JAMIE GLANDON                      22974            166.09                      
KIMBERLY GORDON                    22975            182.88                      
AMANDA GRESH                       22976            207.12                      
ANTHONY HOUCHIN                    22977            185.58                      
JEREMY HUGHES                      22978            104.57                      
SHANNON LAMBERT                    22979            218.70                      
RYAN MARLEN                        22980            184.68                      
JOHN MCFARLAND                     22981            137.25                      
ANN MCMILLIN                       22982             91.23                      
CHRISTEN MOORMAN                   22983          1,039.30                      
HEATHER NUNLEY                     22984            102.03                      
GALT ORMISTON                      22985             53.26                      
BRANDI ROBERTS                     22986             99.80                      
NATASH ROCKLEY                     22987            238.12                      
SHELLIE SCHOVANEC                  22988            110.52                      
WILLIAM STOOKEY                    22989            141.51                      
JUDD STROM                         22990            227.60                      
AMANDA SULLIVAN                    22991            258.31                      
JESSICA BOOKOUT                    22992            767.10                      
MATTHEW BOOKOUT                    22993            591.14                      
JOSEPH BROWN                       22994            554.10                      
JANET CONDREN                      22995            302.22                      
STEVEN CONDREN                     22996            242.14                      
RONALD CORONATO                    22997            323.04                      
BETHANY DEESE                      22998            309.20                      
BENJAMIIN GERGENS                  22999             18.28                      
SARA KELCY                         23000            263.75                      
JEREMY KERBY                       23001            316.06                      
ROBERT MALDONADO                   23002            676.76                      
KYLE ODONLEY                       23003            166.07                      
ADAM SOUTHERLAND                   23004            287.62                      
FAY VRANA                          23005            338.89                      
TRENT BARNES                       23006            659.05                      
VICTOR FIELDS                      23007            120.04                      
ELIZABETH HUSBY                    23008            255.16                      
LEAH KABARITI                      23009              7.54                      
JACQUETTA LANGSTON                 23010            322.66                      
YVETTE LEDEAU                      23011            423.06                      
PAUL MALVEAUX                      23012             67.69                      
MELINDA MCPHETRIDGE                23013            194.11                      
PETER ROBERSON                     23014            236.51                      
GREG THORSEN                       23015            335.48                      
SHARON BROWN                       23016            295.75                      
DAVID DUNCAN                       23017            110.06                      
MELISSA HARDIN                     23018            176.93                      
ROBERT LORENZ                      23019            238.23                      
EMILY LYTLE                        23020            122.97                      
KIRSTEN SCHOOK                     23021            677.57                      
TRACY SHAW                         23022            144.45                      
KATE ZERBST                        23023            210.23                      
KENDRA CAMPBELL                    23024            129.70                      
NATHAN GIFFORD                     23025             77.41                      
KIRK JORGENSEN                     23026            222.24                      
ZANE KESSLER                       23027             15.22                      
DAVID KLEIN                        23028            310.82                      
CALLIE LIDDELL                     23029            138.15                      
SUZANNE LINDSAY                    23030            804.13                      
BRAD MILBURN                       23031             87.44                      
JOEL PRICE                         23032            116.51                      
DAVID SEVER                        23033            171.20                      
ROBERT SIMMONS                     23034            142.14                      
MARILYN ST AUBIN                   23035            282.25                      
CHAD VANHORN                       23036            128.46                      
ANDREW WATKINS                     23037            204.46                      
SHILOH WOOLARD                     23038            177.64                      
KATHRIN BATES                      23039            140.33                      
CHAD BENNETT                       23040            428.03                      
CHAD CLINGMAN                      23041            108.61                      
GLENN EATON                        23042            131.41                      
BETO ENGST                         23043            304.28                      
LISA GARRISON                      23044            357.53                      
DAVIN HARRISON                     23045            149.22                      
JEREMY HOLLARS                     23046            256.59                      
JOSHUA JANACEK                     23047            487.04                      
JOHN LEON                          23048            528.14                      
NANCY MIZELLE                      23049            231.58                      
LAVERN MOURNNG                     23050            115.36                      
LACY NALL                          23051             79.76                      
BILLY SEAMSTER                     23052            541.13                      
JOSE URESTI                        23053            194.70                      
DENA WOOD                          23054             98.13                      
MARK BAILEY                        23055            775.84                      
FRANK BARANOWSKI                   23056            197.62                      
ANDREW CARLETON                    23057            251.34                      
GALILEO CATRON                     23058            328.21                      
STEFANIE DAY                       23059            241.79                      
CASEY DUNCAN                       23060             58.61                      
BRANDON JOHNSON                    23061            112.71                      
KARI LAUDERDALE                    23062            143.82                      
DARCI MCCURDY                      23063            442.18                      
DAVE MCINNIS                       23064            193.76                      
MICHELLE MOON                      23065            236.04                      
TAMARAH MOORE                      23066            119.77                      
RHETT MURPHY                       23067            205.61                      
JUSTIN PARK                        23068             92.86                      
KATIE PICKENS                      23069            238.53                      
RUSHING RICHARD                    23070            308.78                      
LISA SMITH                         23071            377.89                      
KEELY TROUT                        23072            105.01                      
TIFFANY WOODS                      23073            106.69                      
JOSEPH AYALA                       23074            137.97                      
SARAH AYALA                        23075            455.92                      
JOSEPH CALDWELL                    23076            367.96                      
HENRY DANGERFIELD                  23077            273.36                      
STACY EDWARDS                      23078            574.79                      
MEARA EICHERT                      23079            160.52                      
JOHN GABRIEL                       23080            614.21                      
CHRISTOPHER GREEN                  23081            773.56                      
PHILLIP HICKMAN                    23082             45.14                      
KRISTEN HILL                       23083            119.19                      
MICHAEL KENNETT                    23084            403.38                      
JOSEPH LEMIEUX                     23085            606.65                      
TIFFANY MALY                       23086            251.05                      
CHRIS MILLER                       23087            419.95                      
KELSEY MISHKIN                     23088            187.11                      
SERKAN OZTURK                      23089            203.35                      
TION PUETZ                         23090            119.79                      
MATTHEW RICHEY                     23091            504.58                      
STEHPANIE ROYCE                    23092            221.36                      
MICHAEL SCHULZ                     23093            189.59                      
MICHAEL SPRADLIN                   23094            559.91                      
AARON THRONHILL                    23095            453.07                      
GRANT VANCIL                       23096            116.93                      
THOMAS VARNER                      23097            168.72                      
MATTHEW WAGONER                    23098            396.39                      
KAYT WEAVER                        23099            112.91                      
DUSTIN BLACK                       23100            235.22                      
BENJAMIN BRUCE                     23101            164.33                      
ANDREW CASSELL                     23102            276.77                      
SARAH DEVERGES                     23103             66.84                      
DAYTON DIGIACOMO                   23104            257.64                      
LESLIE FINE                        23105            292.40                      
JEREMY LEAL                        23106             34.01                      
MARY LEHMAN                        23107            195.98                      
DAVID NOBLE                        23108            204.06                      
JON PHELPS                         23109            722.51                      
STEVE RALSTON                      23110             54.97                      
KEITH CREIGHTON                    23111            796.01                      
WESLEY GALLOWAY                    23112            106.33                      
LARESSA MORENO HARTLEY             23113            594.20                      
TENA THIERRY                       23114            394.06                      
DOUG WILKINSON                     23115            194.15                      
JENNIFER WILKINSON                 23116            366.63                      
JOSEPH AZAR                        23117            185.46                      
BRIDGET BRADEN                     23118             66.59                      
CHRISTOPHER CLEMENTS               23119             78.73                      
BILLY COX                          23120            420.98                      
DARLENE CURRIN                     23121            491.07                      
BETHANY GARCIA                     23122             88.48                      
JOSHUA JACKSON                     23123            373.60                      
JOSHUA ONLEY                       23124            330.56                      
ROBIN PETRONE                      23125            583.99                      
KELSEY ROYCE                       23126             40.60                      
CHRIS SCHLUNGER                    23127            363.48                      
AMANDA WAYMAN                      23128            206.72                      
KATHRYN WILLIAMSON                 23129            216.04                      
RHONDA BLAYLOCK                    23130          1,089.28                      
EDMUND BROWN                       23131            451.27                      
MATTHEW CAMPBEL                    23132            257.66                      
ABBIE CONKLING                     23133             33.94                      
RACHEL CONKLING                    23134            118.93                      
JAIME DERECSKEY                    23135            556.46                      
WESTON EDWARDS                     23136            114.29                      
HERBERT FLYNN                      23137            113.97                      
REBECCA NOTT                       23138            170.95                      
JOE PALMER                         23139            176.71                      
JESSIE PITTS                       23140             80.13                      
PENNY SPIEGEL                      23141            355.02                      
RACHEL STOUT                       23142            212.68                      
JOHN UNDERWOOD                     23143            157.88                      
DAVID UPTGRAFT                     23144            456.46                      
MAURICE WALLACE                    23145            254.60                      
ROBERT WASSON                      23146            120.88                      
CHARISSA BALL                      23147             74.09                      
JAMIE BARLOW                       23148            287.15                      
DARCIL BROWN                       23149            455.77                      
JAY GATES                          23150            533.11                      
RHONDA GILMER                      23151            548.75                      
BRIDGET HARRISON                   23152             64.41                      
ANDREA HOOVER                      23153            133.15                      
CARISSA LITTLEJOHN                 23154            260.45                      
TANISHA OVALLE                     23155            390.77                      
AMBER PALMITIER                    23156            422.04                      
ETHEL RUGGLES                      23157            309.53                      
CHERISE SCHNEIDER                  23158            151.88                      
TALITHA SCHNEIDER                  23159             89.75                      
JOSEPH SCHUMACHER                  23160            245.76                      
CAROL SHIVELY                      23161            584.89                      
EBONY SIMON                        23162            378.75                      
RICHARD WALLACE                    23163            893.28                      
COURTNEY BISHOP                    23164             99.43                      
JACKI CINOTTO                      23165            293.21                      
OMAR GARCIA                        23166            416.44                      
JAY GOULD                          23167            837.05                      
JENNY GRIGGS                       23168            134.57                      
BENJAMIN HIGGINS                   23169            682.71                      
JESSICA MORGAN                     23170            154.53                      
ASHLEY NORTHRUP                    23171            149.86                      
MARISSA PHAM                       23172             71.61                      
MELISSA SEAMSTER                   23173            257.77                      
JEREMY DAWKINS                     23174            495.97                      
SHELLEY DAWKINS                    23175            426.51                      
KRISTEN DEBOISE                    23176            129.24                      
CICELY DEMPSEY                     23177             38.68                      
VINCENT MANUEL                     23178            260.34                      
PALOMA SORIA                       23179             74.90                      
SARAH STEVENS                      23180             47.90                      
RYAN UTTER                         23181            173.00                      
BRANDON WHITE                      23182            647.87                      
MICHAEL ABSHIER                    23183             63.82                      
MELINDA AKINS                      23184            156.98                      
SARAH BLAKE                        23185             78.79                      
WILLIAM CHANCE                     23186            121.84                      
KATIE CIAMBELLA                    23187            145.93                      
JESSICA CONSTANTINE                23188            160.20                      
CELESTE DERRINGER                  23189            591.29                      
CASEY DICK                         23190             29.27                      
MEGHANN FREEHLING                  23191             17.46                      
JOHN GARLING                       23192            178.61                      
RYAN GIBSON                        23193            140.18                      
MAJIX JOHNSON                      23194            355.69                      
AMY KING                           23195            100.28                      
DONALD LEMONIER                    23196            148.47                      
REBECCA LUCAS                      23197            133.39                      
LAUREL MCLAUCHLIN                  23198            117.31                      
NATHAN MICHAEL                     23199            245.88                      
STEVE MICHAEL                      23200            556.82                      
JACQUELINE MICHIE                  23201             78.01                      
MATTHEW NEWBY                      23202             47.96                      
REBEKAH NOULLES                    23203             78.67                      
ROBIN OBERLY                       23204            332.64                      
CHRISTOPHER OLIVER                 23205            143.81                      
BRENT PLAXICO                      23206             88.40                      
ANGELINA REID                      23207            393.01                      
WILLIAM RIEG                       23208             82.13                      
DWAYNE ROBINETT                    23209             49.17                      
ERIN SAUNDERS                      23210             92.39                      
RYAN SHANNON                       23211            111.68                      
TYLER STEER                        23212            108.69                      
RACHEL SWENTON                     23213             65.99                      
JAMES TRENT                        23214             47.96                      
JASON WRIGHT                       23215            190.06                      
BROOKE BIGBIE                      23216             43.23                      
MITCH COATHEY                      23217            214.49                      
JASON DRENNAN                      23218            197.03                      
AMY KOTZUR                         23219             97.64                      
RUSTY KOTZUR                       23220             21.38                      
SCOTTY MURRAY                      23221             58.05                      
REBEKHA OBERLY                     23222            662.65                      
MICHAEL ROBERTS                    23223             74.45                      
ROCKY SKARDA                       23224            130.05                      
SCOTT WHITE                        23225             93.96                      
KARY GOOLSBY                       23226            346.62                      
SARA ANIKIENKO                     23227            234.13                      
BRANDY BREWER                      23228            147.57                      
ALICIA LAVENDER                    23229            118.62                      
JESSICA MANSELL                    23230            182.86                      
TARA MASSENGALE                    23231            149.85                      
LUIS MAYEN                         23232            105.52                      
CHARLES MCDOWELL                   23233            123.45                      
TONYA MORROW                       23234            237.61                      
CHISTAL PREWITT                    23235            211.55                      
JULIE PRICE                        23236            152.63                      
CRYSTAL TAYLOR                     23237            656.69                      
TANYA UDICK                        23238            379.87                      
REGINA WILSON                      23239            497.87                      

TOTAL PAYROLL AND PAYROLL TAXES       214,844.37            

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275      

CHAPTER 11      
MONTHLY REPORTING AFFIDAVIT       
FOR THE MONTH ENDING FEBRUARY 23, 2000      

BALANCE SHEET     

ASSETS                                                                          

CASH                                      63,224.36               
ACCOUNTS RECEIVABLE                      195,757.21               
CREDIT CARD RECEIVABLE                     9,669.38               
NOTES RECEIVABLE                          11,674.64               
INVENTORY                                171,579.55               
PREPAID - OTHER                            1,899.84               
PREPAID INCOME TAXES                      65,470.91               

    TOTAL CURRENT ASSETS                                        519,275.89

INVESTMENT IN LAB                      2,787,938.43               
LEASE ACQUISITION COST                    89,980.75               

    TOTAL OTHER ASSETS                                        2,877,919.18

RESTAURANT EQUIPMENT                   2,398,807.48               
FURNITURE & FIXTURES                     151,665.99               
LEASEHOLD IMPROVEMENTS                 3,059,653.19               
DELIVERY VEHICLES                         52,902.51               
ACCUMULATED DEPRECIATION              (1,929,456.11)              
IMPAIRMENT RESERVE                      (722,643.46)              

    TOTAL FIXED ASSETS                                        3,010,929.60

    TOTAL ASSETS                                              6,408,124.67

LIABILITIES AND STOCKHOLDERS EQUITY                                             

ACCOUNTS PAYABLE                         979,493.56               
INTERCOMPANY PAYABLE - LAB               497,849.36               
ACCOUNTS PAYABLE - TAX WITHHOLDINGS       39,542.20               
ACCOUNTS PAYABLE - SALES TAXES            36,531.03               
ACCRUED PAYROLL                           86,140.07               
ACCRUED LIABILITIES - LEGAL FEES          19,350.34               
ACCRUED LIABILITIES - AUDIT FEES          25,000.00               
ACCRUED LIABILITIES - PROPERTY TAXES      94,572.62               
ACCRUED LIABILITIES - INTEREST PAYABLE    60,871.68               
ACCRUED LIABILITIES - OTHER                3,979.00               
ACCRUED LIABILITIES - INSURANCES           1,222.35               
CLOSED LEASE RESERVES                    283,995.38               

   TOTAL CURRENT LIABILITIES                                2,128,547.59

NOTES PAYABLE - NATIONS                1,632,395.71               
DEBENTURES PAYABLE                        48,710.93               
NOTES PAYABLE - COMMERCIAL EQUITY         85,387.77               
NOTES PAYABLE - SHAREHOLDERS             200,000.00               
DEFERRED RENT                             81,721.40               
DEFERRED TAXES PAYABLE                   (23,293.00)              

   TOTAL LONG-TERM LIABILITIES                              2,024,922.81

COMMON STOCK                              46,675.00               
TREASURY STOCK                           (17,947.90)              
ADDITIONAL PAID IN CAPITAL            13,390,769.48               
RETAINED EARNINGS - PRIOR            (10,950,940.95)              
RETAINED EARNINGS - CURRENT YEAR        (213,874.36)              

   TOTAL SHAREHOLDERS EQUITY                                2,254,654.27

   TOTAL LIABILITIES AND SHAREHOLDERS EQUITY                6,408,124.67

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275    

CHAPTER 11      
MONTHLY REPORTING AFFIDAVIT     
FOR THE MONTH ENDING FEBRUARY 23, 2000    

INCOME STATEMENT - TOTALS       

PERIOD                                            YEAR TO DATE        

507,797.44 INCOME - SALES                        1,072,670.91       
    FRANCHISE/ROYALTY                        10,000.00
734.69   OTHER INCOME                              3,270.51     
     GAIN/LOSS OF SALE OF ASSETS            (115,651.09)

508,532.13 TOTAL INCOME                            970,290.33       

212,590.31 COST OF SALES                           453,459.34       

295,941.82 GROSS MARGIN                            516,830.99       

214,461.06 SALARIES & BENEFITS                     442,207.37       
18,091.66 PAYROLL TAXES                            37,934.27      

232,552.72 TOTAL PAYROLL RELATED EXPENSES          480,141.64       

EXPENSES                                      

7,280.85   REPAIRS & MAINTENANCE                    14,314.65       
13,596.30   UTILITIES                                34,778.87        
48,058.98   RENT EXPENSE - BUILDINGS                 89,919.13        
2,534.62   RENT EXPENSE - EQUIPMENT                  4,780.55       
2,005.67   RENT EXPENSE - VEHICLES                   2,969.69       
254.90   RENT EXPENSE - OTHER                        454.70     
10,212.16   OPERATING SUPPLIES & EXPENSES            37,608.62        
1,979.97   CASH OVER/SHORT                           2,470.87       
392.07   SECURITY                                    502.64     
2,714.81   BANK/CREDIT CARD SERVICE CHARGES          5,329.09       
17,043.00   LEGAL/ACCOUNTING/CONSULTING              12,852.39        
14,285.83   INSURANCE - GENERAL/WORKERS COMP         24,739.99        
4,410.42   INSURANCE - HEALTH                       10,365.17       
698.74   TRAVEL EXPENSES                           1,842.62     
(746.16)  INTEREST EXPENSE                         (1,051.58)     
3,864.39   ADVERTISING AND PROMOTIONS                8,686.31       

128,586.55   TOTAL EXPENSES                          250,563.71         

(65,197.45)  NET INCOME/(LOSS)                      (213,874.36)        

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.      
CASE NO.  00-10275    

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT   
FOR THE MONTH ENDING FEBRUARY 23, 2000      

INCOME STATEMENT - GENERAL & ADMINISTRATIVE     

PERIOD                                              YEAR TO DATE      

INCOME FROM FRANCHISE OPERATIONS              
    ROYALTIES                                10,000.00
648.50   OTHER INCOME                              2,392.09     
15,236.20   ADMINISTRATIVE INCOME                    32,186.79        
     GALIN/LOSS ON SALE OF ASSETS           (115,651.09)

15,884.70   TOTAL INCOME FROM FRANCHISE             (71,072.21)       

OPERATING EXPENSES                            

SALARIES - ADMINSTRATIVE                           41,920.90      
7,200.00   SALARIES - AREA MANAGERS                 14,400.00       
2,249.64   PAYROLL TAXES                             4,434.40       
    REPAIRS & MAINT - VEHICLES                   54.60
    REPAIRS & MAINT - GASOLINE                  382.08
    UTILITIES - WATER                            85.45
    UTILITIES - ELECTRICAL                      154.73
    UTILITIES - NATURAL GAS                     107.66
1,075.86   RENT - BUILDINGS                          2,275.86       
1,403.78   RENT - EQUIPMENT                          1,488.48       
596.45   RENT - VEHICLES                           1,180.73     
15,000.00   OUTSIDE SERVICES - LEGAL                 15,000.00        
     OUTSIDE SERVICES - ACCOUNTING/AUDIT      (5,000.00)
2,043.00   OUTSIDE SERVICES - PAYROLL PROCESSING   546,850.00       
    OUTSIDE SERVICES - CONSULTING             1,000.00
     OUTSIDE SERVICES - STOCK XFER COST       (3,616.11)
405.62   INSURANCE - HEALTH                        1,443.99     
129.95   INSURANCE - WORKERS COMP                    308.50     
2,833.00   INSURANCE - GENERAL LIABILITY             2,833.00       
51.56   OFFICE SUPPLIES                             289.23    
655.21   POSTAGE & SHIPPING                        1,324.36     
650.97   TELEPHONE                                 2,441.56     
109.10   SERVICE CHARGES                             198.93     
(5,671.90)  MISCELLANEOUS EXPENSES                    3,108.00        
    TRAVEL - AIR                                217.50
    TRAVEL - AUTO/GROUND                          5.00

50,653.24  TOTAL OPERATING EXPENSES                 91,507.35       

INTEREST INCOME                               

(746.16)  INTEREST INCOME                          (1,650.51)     
    INTEREST EXPENSE - OTHER                    598.93

(746.16)  TOTAL INTEREST INCOME                    (1,051.58)     

(34,022.38)  NET INCOME/(LOSS)                      (161,527.98)        

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.
CASE NO.  00-10275    

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT     
FOR THE MONTH ENDING FEBRUARY 23, 2000    

INCOME STATEMENT - STORE OPERATIONS     

PERIOD                                            YEAR TO DATE        

INCOME FROM COMPANY OWNED STORES              
475,371.56 FOOD SALES                            1,004,848.82       
32,512.07 SALES - OTHER                            68,700.51      

507,883.63 TOTAL SALES FROM STORES               1,073,549.33       

COST OF SALES                                 
167,111.21 FOOD COST                               367,841.28       
17,718.13 PAPER GOODS                              36,770.19      
530.28 PROMO ITEMS                                 565.28   
27,230.69 OTHER                                    48,282.59      

212,590.31 TOTAL COST OF SALES                     453,459.34       

295,293.32 GROSS MARGIN                            620,089.99       

SALARIES AND BENEFITS                         
51,064.70 SALARIES - MANAGERS                     103,150.27      
133,875.36 SALARIES - EMPLOYEES                    281,923.70       

184,940.06 TOTAL LABOR                             385,073.97       

CONTROLLABLE EXPENSES                         
1,967.40   REPAIRS & MAINT - BUILDINGS               5,796.10       
5,282.37   REPAIRS & MAINT - EQUIPMENT               8,384.65       
31.08   REPAIRS & MAINT - VEHICLES                   79.30    
560.49   REPAIRS & MAINT - GASOLINE                  971.35     
3,032.82   UTILITIES - WATER                         7,357.65       
7,963.88   UTILITIES - ELECTRICAL                   19,570.06       
2,599.60   UTILITIES - NATURAL GAS                   7,503.32       
1,409.22   RENT - VEHICLES                           1,788.96       
254.90   RENT - PARKING GARAGE                       454.70     
3,430.71   OPERATING SUPPLIES                        7,164.94       
1,010.76   POSTAGE & SHIPPING                        1,925.65       
16.93   UNIFORMS                                    470.04    
5,339.63   CLEANING                                 10,610.90       
2,773.07   LAUNDRY                                   5,562.61       
283.77   SMALLWARES                                  433.61     
27.30   PRINTING                                     27.30    
1,819.15   TELEPHONE                                 4,763.61       
-     DUES                                         30.00  
60.00   DONATIONS                                   110.00    
392.07   SECURITY EXPENSE                            502.64     
1,624.13   CREDIT CARD DISCOUNT FEES                 3,485.69       
981.58   SERVICE CHARGES                           1,644.47     
7.79   VENDING                                    (149.64)  
(551.94)  MISCELLANEOUS EXPENSE                      (698.66)     
1,979.97   CASH OVER/SHORT                           2,470.87       
(86.85)  BAD CHECKS                                 (346.89)    
138.25   TRAVEL - AUTO/GROUND                        249.25     
-     TRAVEL - MILEAGE                             17.44  
-     ADVERTISING - NEWSPAPER                     101.64  
835.33   ADVERTISING - LOCAL                       1,839.29     
-     ADVERTISING - YELLOW PAGES                  709.50  
3,029.06   PROMOTIONAL                               6,035.88       

46,212.47   TOTAL CONTROLLABLE EXPENSES              98,866.23        

FIXED AND INDIRECT EXPENSES                   
15,842.02   PAYROLL TAXES                            33,499.87        
396.00   LICENSES AND FEES                           542.00     
46,983.12   RENT - BUILDINGS                         87,643.27        
1,130.84   RENT - EQUIPMENT                          3,292.07       
4,004.80   INSURANCE - HEALTH                        8,921.18       
4,834.88   INSURANCE - WORKERS COMP                  9,971.49       
6,488.00   INSURANCE - GENERAL LIABILITY            11,627.00       
15,236.20   ADMINISTRATIVE EXPENSE                   32,186.79        

94,915.86   TOTAL FIXED AND DIRECT EXPENSES         187,683.67        

326,068.39   TOTAL EXPENSES                          671,623.87         

(30,775.07)  PROFIT BEFORE MANAGER BONUSES           (51,533.88)        

400.00   MANAGER BONUSES                             812.50     

(31,175.07)  NET INCOME/(LOSS) FROM STORES           (52,346.38)        

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.  
CASE NO.  00-10275  

CHAPTER 11  
MONTHLY REPORTING AFFIDAVIT   
FOR THE MONTH ENDING FEBRUARY 23, 2000

NEW YORK BAGEL ENTERPRISES, INC   
RECONCILIATION OF MAIN ACCOUNT  
ACCOUNT NUMBER: 6037805   
TAX ID NUMBER 73-1369185  

FEBRUARY                                                                        

BALANCE PER G/L FEBRUARY 23, 2000                        (33,220.80)            

DEPOSITS IN TRANSIT                                        1,700.00             
                                                200.00
                                              1,500.00
                                             12,700.00
                                                100.00
                                                100.00
                                              1,500.00
                                              2,700.00
                                              2,200.00
                                                800.00
                                                700.00

SERVICE CHARGES                                              107.50             
                                                (108.10)

DEPOSIT FROM LAB                                          10,000.00             

STOPY PAYMENT ON ALLIANT CK                               13,737.73             

WIRE FROM SALE IN MONTGOMERY                               5,671.90             

WIRE TRANSFER TO COMMERCIAL EQUITY FOR D&O INSURANCE      (2,833.00)            

TRANSFER TO NEW ACCOUNT (ASSET SALE)                        (100.00)            

ADJUSTED BALANCE PER GENERAL LEDGER                       17,455.23             

BALANCE PER BANK                                          27,104.38             

OUTSTANDING CHECKS                                        (9,649.15)            

ADJUSTED BANK BALANCE                                     17,455.23             

UNRECONCILED VARIANCE                                           -               

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275    

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT     
FOR THE MONTH ENDING FEBRUARY 23, 2000    

STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 1
                                             2/29/00

                           ACCOUNT #         6037805

NEW YORK BAGEL ENTERPRISES, INC                           
OPERATING ACCOUNT DEBTOR IN POSSESSION                    
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

603 780 5 COMMERCIAL CHECKING           

  PREVIOUS BALANCE              1/31/00            (21,691.05)
 +DEPOSIS/CREDITS                              43 201,484.40
 -CHECKS/DEBITS                                46 152,596.87
  -SERVICE CHARGES                                     (92.10)
+INTEREST PAID                                        -   
 CURRENT BALANCE                                   27,104.38

------------------------DESCRIPTIVE TRANSACTIONS-----------------------------   

DATE       TRACER   DESCRIPTION                            AMOUNT               

2/01               4CUSTOMER DEPOSIT                       10,000.00            
2/01          130201NEW YORK BAGEL(T ACH XFER               5,300.00            
2/01          130201NEW YORK BAGEL(T ACH XFER               4,800.00            
2/01          130201NEW YORK BAGEL(T ACH XFER               3,300.00            
2/01          130201NEW YORK BAGEL(T ACH XFER              15,300.00            
2/01              37WIRE TRANSFER                           5,671.90            
2/01              33NSF/OD FEE REVERSAL                       107.50            
2/01                INSUFFICIENT FUNDS                                          
2/01              37WIRE FEE                                   (8.00)           
2/02          120202NEW YORK BAGEL(T ACH XFER               5,800.00            
2/02          120202NEW YORK BAGEL(T ACH XFER               4,500.00            
2/02          120202COMMERCIAL EQUITY ACH XFER             (2,833.00)           
2/02          120202KLENDA MITCHELL ACH XFER               (7,000.00)           
2/03          230203NEW YORK BAGEL(T ACH XFER               2,700.00            
2/03          230203INTERNET BANKING FUNDS XFER               500.00            
2/03          230203INTERNET BANKING FUNDS XFER             1,050.00            
2/03          230203INTERNET BANKING FUNDS XFER             2,100.00            
2/04          120204NEW YORK BAGEL(T ACH XFER               1,500.00            
2/08          210208NEW YORK BAGEL(T ACH XFER               1,200.00            
2/09          120209NEW YORK BAGEL(T ACH XFER                 100.00            
2/09          120209NEW YORK BAGEL(T ACH XFER               1,000.00            
2/09          120209INTERNET BANKING FUNDS XFER               100.00            
2/09          120209INTERNET BANKING FUNDS XFER               250.00            
2/09          120209INTERNET BANKING FUNDS XFER                50.00            
2/09          120209INTERNET BANKING FUNDS XFER               400.00            
2/10          230210INTERNET BANKING FUNDS XFER            (6,555.00)           
2/11          120211NEW YORK BAGEL(T ACH XFER                 200.00            
2/11          120211NEW YORK BAGEL(T ACH XFER               3,455.00            
2/11          120211INTERNET BANKING FUNDS XFER               550.00            
2/11          120211INTERNET BANKING FUNDS XFER               300.00            
2/11          120211INTERNET BANKING FUNDS XFER               650.00            
2/11          120211INTERNET BANKING FUNDS XFER             1,400.00            
2/14          140214NEW YORK BAGEL(T ACH XFER               2,600.00            
2/14          140214INTERNET BANKING FUNDS XFER               400.00            
2/14          140214INTERNET BANKING FUNDS XFER             1,250.00            
2/14          140214INTERNET BANKING FUNDS XFER              (750.00)           
2/14          140214INTERNET BANKING FUNDS XFER            (5,000.00)           

CONTINUE ON NEXT PAGE                   

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 2
                                             2/29/00

                           ACCOUNT #         6037805

NEW YORK BAGEL ENTERPRISES, INC                           
OPERATING ACCOUNT DEBTOR IN POSSESSION                    
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

2/15           99600DIRECT BANKER FEE                         (70.60)           
2/18             931STOP PAYMENT FEE                          (21.50)           
2/22              34WIRE TRANSFER                         100,000.00            
2/22              34WIRE FEE                                   (8.00)           
2/23          120223INTERNET BANKING FUNDS XFER           (50,000.00)           
2/24          150224NEW YORK BAGEL(T ACH XFER               1,700.00            
2/24          150224NEW YORK BAGEL(T ACH XFER                 200.00            
2/24          150224NEW YORK BAGEL(T ACH XFER               1,500.00            
2/24          150224NEW YORK BAGEL(T ACH XFER              12,700.00            
2/24          150224INTERNET BANKING FUNDS XFER               100.00            
2/24          150224INTERNET BANKING FUNDS XFER               100.00            
2/25          150224INTERNET BANKING FUNDS XFER             1,500.00            
2/25          130225NEW YORK BAGEL(T ACH XFER               2,700.00            
2/25          130225NEW YORK BAGEL(T ACH XFER               2,200.00            
2/28          140228NEW YORK BAGEL(T ACH XFER                 800.00            
2/29          120229NEW YORK BAGEL(T ACH XFER                 700.00            

---------------------------CHECKS PAID---------------------------------------   

NO.       DATE      AMOUNT               NO.       DATE     AMOUNT              

507282-16       950.00                   508692-24     2,401.86       
507452-04       352.37                   508702-25     2,703.61       
507522-02       146.80                   508712-28       216.08       
507662-04       585.57                   508722-25     3,335.17       
507722-14     2,074.28                   508732-25       182.66       
507742-01     2,875.00                   508742-25     1,272.73       
507752-01     2,222.92                   508752-25       268.25       
507762-03     2,222.92                   508762-28    10,730.00       
507772-01     3,615.00                   508772-29     1,859.70       
507782-02     2,222.92                   508792-25     1,434.48       
507792-01     2,222.92                   508802-25       307.17       
507812-02     2,814.29                   508822-25       515.52       
507822-02     5,336.07                   508832-28     2,613.89       
508602-25     2,696.82                   508842-28     3,580.76       
508612-23     2,868.49                   508872-28       100.94       
508622-24       999.65                   508892-25       224.14       
508642-23     2,577.58                   508902-28     1,046.75       
508662-24     1,763.90                   508912-25     6,950.17       
508672-25     1,429.78                        2-28       100.00       
508682-25     1,371.71                                                

----------------------------DAILY BALANCE SUMMARY----------------------------   

DATE      BALANCE   DATE      BALANCE              DATE     BALANCE             

1-31    (21,691.05) 2-01       11,844.51           2-02     1,791.43            
2-03      5,918.51  2-04        6,480.57           2-08     7,680.57            
2-09      9,580.57  2-10        3,025.57           2-11     9,580.57            
2-14      7,506.29  2-15        7,435.69           2-16     6,485.69            
2-18      6,464.19  2-22      106,456.19           2-23    51,010.12            
2-24     63,644.71  2-25       45,852.50           2-28    28,264.08            
2-29     27,104.38                                                              

STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

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                                            PAGE 3
                                             2/29/00

                           ACCOUNT #         6037805

NEW YORK BAGEL ENTERPRISES, INC                           
OPERATING ACCOUNT DEBTOR IN POSSESSION                    
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

AVERAGE LEDGER BALANCE FOR THIS CYCLE IS                   17,707.47            
MINIMUM LEDGER BALANCE FOR THIS CYCLE IS                       1,791            

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.  
CASE NO.  00-10275  

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT   
FOR THE MONTH ENDING FEBRUARY 23, 2000    

NEW YORK BAGEL ENTERPRISES, INC         
RECONCILIATION OF PAYROLL ACCOUNT       
ACCOUNT NUMBER: 6033757                 
TAX ID NUMBER 73-1369185                

FEBRUARY                                                                        

BALANCE PER G/L FEBRUARY 23, 2000                            2,415.12           

TRANSFER FROM OPERATING ACCOUNT                             50,000.00           
                                       2/10/00    6,555.00
                                       2/14/00    5,000.00

DEPOSITS IN TRANSIT                                          2,100.00           
                                                  1,200.00
                                                    400.00
                                                    500.00
                                                    650.00
                                                  1,100.00
                                                    200.00
                                                     50.00
                                                  3,800.00
                                                  3,600.00
                                                  2,700.00
                                                    700.00
                                                     50.00
                                                    450.00
                                                 12,600.00
                                                  2,200.00
                                                  7,800.00

CHECKS ISSUED NOT RECORED ON LEDGER YET                        (18.28)          
                                                    (404.02)
                                                 (30,083.64)
                                                  (4,432.26)
                                                    (304.99)
                                                    (304.99)
                                                  (1,373.58)
                                                    (822.45)
                                                  (2,530.80)

ADJUSTED BALANCE PER GENERAL LEDGER                         63,795.11           

BALANCE PER BANK                                           112,696.85           

OUTSTANDING CHECKS                                         (48,901.74)          

ADJUSTED BALANCE PER BANK                                   63,795.11           

UNRECONCILED VARIANCE                                             -             

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275    

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT     
FOR THE MONTH ENDING FEBRUARY 23, 20000 

STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 1
                                             2/29/00

                           ACCOUNT #         6033757

NEW YORK BAGEL ENTERPRISES, INC                           
OPERATING ACCOUNT DEBTOR IN POSSESSION                    
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

603 375 7 COMMERCIAL CHECKING           

  PREVIOUS BALANCE              1/31/00              21,641.98
  +DEPOSIS/CREDITS                             113  381,302.46
   -CHECKS/DEBITS                               673 (290,247.59)
-SERVICE CHARGES                                      -   
+INTEREST PAID                                        -   
  CURRENT BALANCE                                   112,696.85

-------------------------DESCRIPTIVE TRANSACTIONS----------------------------   

DATE       TRACER   DESCRIPTION                            AMOUNT               
2-01          130201INTERNET BANKING FUNDS XFER             1,700.00            
2-01          130201INTERNET BANKING FUNDS XFER               700.00            
2-01          130201INTERNET BANKING FUNDS XFER             1,900.00            
2-01          130201INTERNET BANKING FUNDS XFER             4,200.00            
2-02          120202NEW YORK BAGEL AL ACH XFER                300.00            
2-02          120202NEW YORK BAGEL AL ACH XFER              3,500.00            
2-02          120202INTERNET BANKING FUNDS XFER               600.00            
2-02          120202INTERNET BANKING FUNDS XFER             1,000.00            
2-02          120202INTERNET BANKING FUNDS XFER             1,600.00            
2-03          230203NEW YORK BAGEL AL ACH XFER                700.00            
2-03          230203NEW YORK BAGEL AL ACH XFER                600.00            
2-03          230203NEW YORK BAGEL AL ACH XFER              8,600.00            
2-03             101WIRE TRANSFER DEBIT                    (8,012.00)           
2-04          120204NEW YORK BAGEL AL ACH XFER              2,400.00            
2-04          120204NEW YORK BAGEL AL ACH XFER                800.00            
2-04          120204NEW YORK BAGEL AL ACH XFER              6,600.00            
2-04          120204INTERNET BANKING FUNDS XFER               150.00            
2-04          120204INTERNET BANKING FUNDS XFER               750.00            
2-04          120204INTERNET BANKING FUNDS XFER             1,300.00            
2-07          250207NEW YORK BAGEL AL ACH XFER              3,700.00            
2-07          250207NEW YORK BAGEL AL ACH XFER              1,700.00            
2-07          250207NEW YORK BAGEL AL ACH XFER              6,700.00            
2-07          250207INTERNET BANKING FUNDS XFER               550.00            
2-07          250207INTERNET BANKING FUNDS XFER               950.00            
2-07          250207INTERNET BANKING FUNDS XFER             1,200.00            
2-08          210208NEW YORK BAGEL AL ACH XFER              5,200.00            
2-08          210208NEW YORK BAGEL AL ACH XFER              7,100.00            
2-08          210208NEW YORK BAGEL AL ACH XFER             14,300.00            
2-08          210208INTERNET BANKING FUNDS XFER             2,600.00            
2-08          210208INTERNET BANKING FUNDS XFER               400.00            
2-08          210208INTERNET BANKING FUNDS XFER             1,700.00            
2-08          210208INTERNET BANKING FUNDS XFER             3,300.00            
2-09          120209NEW YORK BAGEL AL ACH XFER              3,500.00            
2-09          120209NEW YORK BAGEL AL ACH XFER              7,200.00            
2-10          230210NEW YORK BAGEL AL ACH XFER              3,600.00            
2-10          230210NEW YORK BAGEL AL ACH XFER                600.00            
2-10          230210NEW YORK BAGEL AL ACH XFER              1,000.00            

CONTINUE ON NEXT PAGE                   

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 2
                                             2/29/00

                           ACCOUNT #         6033757

NEW YORK BAGEL ENTERPRISES, INC                           
PAYROLL  ACCOUNT DEBTOR IN POSSESSION                     
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

2-10          230210NEW YORK BAGEL AL ACH XFER              5,100.00            
2-10          230210INTERNET BANKING FUNDS XFER               250.00            
2-10          230210INTERNET BANKING FUNDS XFER               450.00            
2-10          230210INTERNET BANKING FUNDS XFER             1,000.00            
2-10          230210INTERNET BANKING FUNDS XFER             6,555.00            
2-11               2CUSTOMER DEPOSIT                          359.80            
2-11          120211NEW YORK BAGEL AL ACH XFER              2,000.00            
2-11          120211NEW YORK BAGEL AL ACH XFER              2,600.00            
2-14          140214NEW YORK BAGEL AL ACH XFER                100.00            
2-14          140214NEW YORK BAGEL AL ACH XFER              2,700.00            
2-14          140214NEW YORK BAGEL AL ACH XFER              8,800.00            
2-14          140214INTERNET BANKING FUNDS XFER             5,000.00            
2-15          210215NEW YORK BAGEL AL ACH XFER              6,800.00            
2-15          210215NEW YORK BAGEL AL ACH XFER                800.00            
2-15          210215NEW YORK BAGEL AL ACH XFER              3,100.00            
2-15          210215NEW YORK BAGEL AL ACH XFER             10,700.00            
2-15          210215INTERNET BANKING FUNDS XFER               200.00            
2-15          210215INTERNET BANKING FUNDS XFER               250.00            
2-15          210215INTERNET BANKING FUNDS XFER             1,850.00            
2-15          210215INTERNET BANKING FUNDS XFER             3,400.00            
2-16          160216NEW YORK BAGEL AL ACH XFER              2,200.00            
2-16          160216NEW YORK BAGEL AL ACH XFER                500.00            
2-16          160216NEW YORK BAGEL AL ACH XFER                100.00            
2-16          160216NEW YORK BAGEL AL ACH XFER              7,600.00            
2-16          160216INTERNET BANKING FUNDS XFER               150.00            
2-16          160216INTERNET BANKING FUNDS XFER               300.00            
2-16          160216INTERNET BANKING FUNDS XFER               650.00            
2-17          180217NEW YORK BAGEL AL ACH XFER              2,100.00            
2-17          180217NEW YORK BAGEL AL ACH XFER                100.00            
2-17          180217NEW YORK BAGEL AL ACH XFER                700.00            
2-17          180217NEW YORK BAGEL AL ACH XFER              4,700.00            
2-17          180217INTERNET BANKING FUNDS XFER               200.00            
2-17          180217INTERNET BANKING FUNDS XFER               600.00            
2-17          180217INTERNET BANKING FUNDS XFER             1,100.00            
2-18          120218NEW YORK BAGEL AL ACH XFER              3,700.00            
2-18          120218NEW YORK BAGEL AL ACH XFER                800.00            
2-18          120218NEW YORK BAGEL AL ACH XFER              3,900.00            
2-18          120218 NEW YORK BAGEL AL ACH XFER             6,500.00            
2-18          120218 INTERNET BANKING FUNDS XFER              550.00            
2-18          120218 INTERNET BANKING FUNDS XFER              250.00            
2-18          120218 INTERNET BANKING FUNDS XFER            1,400.00            
2-18          120218 INTERNET BANKING FUNDS XFER            1,400.00            
2-22          260222 NEW YORK BAGEL AL ACH XFER            10,200.00            
2-22          260222 NEW YORK BAGEL AL ACH XFER               200.00            
2-22          260222 NEW YORK BAGEL AL ACH XFER             2,700.00            
2-22          260222 NEW YORK BAGEL AL ACH XFER            15,300.00            
2-22          260222 INTERNET BANKING FUNDS XFER               50.00            
2-22          260222 INTERNET BANKING FUNDS XFER              350.00            
2-22          260222 INTERNET BANKING FUNDS XFER            1,150.00            

CONTINUED ON NEXT PAGE                

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 3
                                             2/29/00

                           ACCOUNT #         6033757

NEW YORK BAGEL ENTERPRISES, INC                           
PAYROLL  ACCOUNT DEBTOR IN POSSESSION                     
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

2-22          260222INTERNET BANKING FUNDS XFER               350.00            
2-23               5CUSTOMER DEPOSIT                          404.02            
2-23               5CUSTOMER DEPOSIT                       30,083.64            
2-23          120223NEW YORK BAGEL AL ACH XFER              3,700.00            
2-23          120223NEW YORK BAGEL AL ACH XFER                800.00            
2-23          120223NEW YORK BAGEL AL ACH XFER              5,900.00            
2-23          120223NEW YORK BAGEL AL ACH XFER              9,800.00            
2-23          120223INTERNET BANKING FUNDS XFER            50,000.00            
2-23          120223INTERNET BANKING FUNDS XFER               900.00            
2-23          120223INTERNET BANKING FUNDS XFER             1,200.00            
2-23          120223INTERNET BANKING FUNDS XFER             3,900.00            
2-25          130225INTERNET BANKING FUNDS XFER               500.00            
2-25          130225INTERNET BANKING FUNDS XFER               400.00            
2-25          130225INTERNET BANKING FUNDS XFER             1,200.00            
2-25          130225INTERNET BANKING FUNDS XFER             2,100.00            
2-28          140228NEW YORK BAGEL AL ACH XFER              2,700.00            
2-28          140228NEW YORK BAGEL AL ACH XFER              3,600.00            
2-28          140228NEW YORK BAGEL AL ACH XFER              3,800.00            
2-28          140228INTERNET BANKING FUNDS XFER                50.00            
2-28          140228INTERNET BANKING FUNDS XFER               200.00            
2-28          140228INTERNET BANKING FUNDS XFER             1,100.00            
2-28          140228INTERNET BANKING FUNDS XFER               650.00            
2-29          120229NEW YORK BAGEL AL ACH XFER              7,800.00            
2-29          120229NEW YORK BAGEL AL ACH XFER              2,200.00            
2-29          120229NEW YORK BAGEL AL ACH XFER             12,600.00            
2-29          120229INTERNET BANKING FUNDS XFER               450.00            
2-29          120229INTERNET BANKING FUNDS XFER                50.00            
2-29          120229INTERNET BANKING FUNDS XFER               700.00            

---------------------------CHECKS PAID---------------------------------------   
NO.       DATE      AMOUNT               NO.       DATE     AMOUNT              
50322-01     5,349.77                   222372-22       261.87      
50392-22    30,083.64                   222632-07        28.27      
50402-22       404.02                   222712-07        17.79      
50502-29       340.00                   222852-10        57.13      
208772-11        30.27                   222922-15       322.44       
215832-04        41.28                   222952-02         4.42       
216812-03       191.92                   222962-03        29.77       
217642-04        22.78                   222972-02        24.87       
217702-01        25.39                   223132-03        35.82       
218942-02        18.58                   223412-03       131.93       
220172-08        53.41                   223482-03       112.20       
220182-03        58.76                   223532-10       130.60       
220202-03       145.85                   223562-08        58.98       
221002-07       120.66                   223582-01       118.37       
221132-07        67.69                   223602-10        89.93       
221762-09       270.93                   223632-04       135.86       
222052-04       141.78                   223832-02       101.90       
222092-01        49.91                   223862-01       328.42       

CONTINUED ON NEXT PAGE                  

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 4
                                             2/29/00

                           ACCOUNT #         6033757

NEW YORK BAGEL ENTERPRISES, INC                           
PAYROLL  ACCOUNT DEBTOR IN POSSESSION                     
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

224012-04        59.17                   22614-204       360.16       
224322-18       248.00                   226152-07       333.56       
224392-14        58.34                   226162-04       251.38       
224732-02        59.21                   226172-07       650.52       
224742-01       100.62                   226182-15        46.47       
224762-02       115.04                   226192-07       136.16       
224772-02        61.17                   226202-07       175.54       
225082-01        22.93                   226212-10       145.78       
225212-07       229.97                   226222-11        60.52       
225272-08        86.81                   226232-08       207.06       
225292-01        41.93                   226242-09       206.70       
225352-17        11.77                   226252-08        19.64       
225372-03        20.18                   226262-09        17.46       
225382-07       105.78                   226272-09       212.06       
225422-04        82.05                   22628-215       225.88       
225472-08        19.02                   22629-208       192.72       
225492-07        28.21                   226302-09       174.30       
225562-16        79.02                   226312-09        83.94       
225602-14       128.99                   226322-10       119.31       
225682-28       250.63                   226332-04       103.86       
225712-22       246.88                   226342-11       224.02       
225722-03       219.22                   226352-09       175.60       
225772-07        78.93                   226362-08       172.17       
225872-11        38.91                   226372-14       170.22       
225882-24     1,710.45                   22638-207       187.74       
225892-07       411.30                   22639-208       103.71       
225902-02     3,426.79                   226402-08       204.16       
225912-07       624.55                   226412-07       215.01       
225922-14     2,773.77                   226432-09        75.62       
225932-09        91.93                   226442-04     1,039.30       
225942-10       746.50                   226452-09       106.98       
225952-07     2,408.74                   226462-08        87.66       
225962-07     2,686.07                   226472-11       171.18       
225972-09        51.49                   226482-09       111.90       
225982-10        77.22                   226492-09       213.02       
225992-09       288.79                   226502-07       334.19       
226002-09       228.52                   226512-16       306.61       
226012-08        51.13                   226522-07       787.10       
226022-04       664.04                   226532-07       611.14       
226032-07       219.37                   226542-04       428.07       
226042-04       388.41                   226552-08       354.71       
226052-09        60.44                   226562-07       242.44       
226062-04       267.84                   226572-04       342.31       
226072-09       123.62                   226582-07       317.52       
226082-07       144.44                   226592-07       226.36       
226092-11       195.53                   226602-04       374.00       
226112-07       363.61                   226612-08       676.76       
226122-09        13.70                   226622-07       189.72       
226132-18       229.99                   226632-04       146.26       

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 5
                                             2/29/00

                           ACCOUNT #         6033757

NEW YORK BAGEL ENTERPRISES, INC                           
PAYROLL  ACCOUNT DEBTOR IN POSSESSION                     
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

226642-08       572.27                   227142-08       775.84       
226652-07       306.57                   227152-09        43.11       
226662-07       332.19                   227162-08       322.83       
226672-07       659.05                   227172-08       321.42       
226682-07       225.76                   227182-08       210.61       
226692-07       269.37                   227192-09       136.59       
226702-15       435.69                   227202-09       110.18       
226712-07        89.11                   227212-07       189.14       
226722-07       242.25                   227222-10       104.60       
226732-07       334.81                   227232-07       434.20       
226742-08       393.05                   227242-24       202.70       
226752-07       113.06                   227252-07       265.29       
226762-08       169.42                   227262-14        78.77       
226772-07       293.12                   227272-09       255.97       
226782-11       163.79                   227282-08       108.54       
226792-09       227.72                   227292-07       247.18       
226802-07       677.57                   227302-15       250.39       
226822-07       209.20                   227312-04       330.32       
226832-24       185.58                   227322-07       317.47       
226842-08       117.90                   227342-08        52.81       
226852-17       265.35                   227352-09       195.98       
226862-08       226.12                   227362-07       455.92       
226872-11       321.14                   227372-04       373.17       
226882-23       111.90                   227382-09       118.20       
226892-07       804.13                   227392-04       574.79       
226902-24       172.96                   227402-04       180.75       
226912-10       187.69                   227412-04       573.68       
226922-28        50.48                   227422-10       773.56       
226932-08       230.47                   227432-08        95.64       
226942-08       145.06                   227442-07       199.79       
226952-07       260.47                   227452-08       357.68       
226962-25       154.42                   227472-07       587.15       
226972-07       199.93                   227482-07       178.23       
226982-07       232.14                   227492-07       419.95       
226992-08       420.18                   227502-08       136.12       
227002-08       139.84                   227512-04       204.35       
227012-08       129.55                   227522-09       140.43       
227022-07       311.53                   227532-07       290.29       
227032-07       289.12                   227542-04       547.52       
227042-09       193.99                   227552-04       209.12       
227052-08       262.46                   227562-07       167.25       
227062-08       479.33                   227572-07       481.21       
227072-09       467.17                   227582-08       519.27       
227082-07       429.29                   227592-11       112.63       
227092-07       422.16                   227602-09       168.72       
227102-09        82.73                   227612-07       382.88       
227112-08       151.21                   227622-18        93.67       
227122-15       197.59                   227632-08       115.47       
227132-09        91.23                   227652-08       153.35       

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 6
                                             2/29/00

                           ACCOUNT #         6033757

NEW YORK BAGEL ENTERPRISES, INC                           
PAYROLL  ACCOUNT DEBTOR IN POSSESSION                     
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

227662-09       319.37                   228162-08       284.22       
227672-09       346.83                   228172-07       395.94       
227682-04        82.94                   228182-16       155.57       
227692-09        27.59                   228192-07       548.80       
227702-08        96.41                   228202-09       498.64       
227712-08       190.25                   228212-23       113.51       
227722-09       722.51                   228222-07       109.87       
227732-04       350.31                   228232-22        38.34       
227742-08       211.13                   228242-07       377.97       
227752-07       796.01                   228252-07       314.45       
227762-11       161.99                   228262-07       429.22       
227772-16        42.85                   228272-09       354.97       
227782-04       594.20                   228282-08       143.73       
227792-04        47.65                   228292-08       158.71       
227802-07       442.68                   228302-08       285.85       
227812-07       127.93                   228312-07       583.11       
227822-07       255.89                   228322-08       284.21       
227832-09       303.79                   228342-08       893.28       
227852-07       173.93                   228352-08       169.06       
227862-07       350.36                   228362-07       295.54       
227872-08       478.23                   228372-08       447.65       
227882-15       110.28                   228382-07       837.05       
227892-09       293.50                   228392-08       101.56       
227902-08        17.26                   228402-08       674.06       
227912-09       130.11                   228412-17       110.95       
227922-09       336.93                   228422-08       154.36       
227932-09       583.99                   228432-07       190.63       
227942-08        84.97                   228442-10       345.27       
227952-04       335.17                   228452-08       494.53       
227962-07       336.04                   228462-07       193.14       
227972-08       289.51                   228472-08        65.49       
227982-04     1,089.28                   228482-15        87.10       
227992-09       536.59                   228492-24       150.15       
228002-10       194.32                   228502-08       167.16       
228012-07       112.07                   228512-15       217.31       
228022-07       556.46                   228522-10       647.87       
228032-07       112.31                   228532-08       266.22       
228042-09        96.04                   228542-07       207.96       
228052-08       112.07                   228552-25        78.89       
228062-11       101.54                   228562-07       100.91       
228072-10       183.91                   228572-23        16.79       
228082-08       173.44                   228582-07        80.16       
228092-08       313.76                   228592-08       142.56       
228102-07       176.22                   228602-07       230.88       
228112-09        87.46                   228622-08       711.32       
228122-07       398.32                   228632-07       123.80       
228132-08        74.32                   228642-15        76.20       
228142-07       118.16                   228652-07        35.43       
228152-08        15.41                   228662-07       398.39       

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 7
                                             2/29/00

                           ACCOUNT #         6033757

NEW YORK BAGEL ENTERPRISES, INC                           
PAYROLL  ACCOUNT DEBTOR IN POSSESSION                     
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

228672-24        25.09                   229172-07       220.68       
228682-18       156.08                   229182-07       175.17       
228692-10       124.11                   229192-28        59.17       
228702-07       148.47                   229202-09       262.58       
228712-07       148.57                   229212-10       252.96       
228722-09       120.83                   229222-09       273.51       
228732-07       421.01                   229232-07       656.69       
228742-08       601.59                   229242-07       376.78       
228752-18       176.47                   229252-07       497.87       
228762-07       116.99                   229272-10    28,613.13       
228772-07       176.00                   229282-16       548.88       
228782-22       132.84                   229292-16     4,451.62       
228792-07        60.17                   229302-16       608.22       
228802-07       152.04                   229312-22       624.55       
228812-08        39.68                   229322-23     3,097.79       
228822-07       195.31                   229332-24        23.09       
228832-08        59.68                   229342-24       746.50       
228842-11       215.67                   229352-23     2,408.74       
228852-07       265.05                   229362-22     2,950.76       
228862-08        92.38                   229372-24        79.85       
228872-08       151.79                   229382-24        43.78       
228882-09        77.92                   229402-24       173.24       
228892-08       635.17                   229412-25        16.39       
228902-07        86.15                   229422-23        99.85       
228922-07        60.14                   229432-18       664.04       
228932-07        91.18                   229442-24       210.72       
228942-07       273.21                   229452-18       398.99       
228952-09       173.28                   229462-24        21.10       
228962-09       441.98                   229472-18       213.00       
228972-14       161.45                   229482-24        96.92       
228982-07       369.03                   229492-28        19.67       
228992-07       237.23                   229502-24       234.35       
229002-07     1,585.31                   229512-28        46.35       
229012-09       501.49                   229532-24        60.85       
229022-07       675.87                   229552-22       315.14       
229032-07       293.05                   229562-18       387.34       
229042-10       427.10                   229572-24       217.44       
229052-07       310.54                   229582-18       650.52       
229062-28       330.30                   229592-24       101.40       
229072-07       456.59                   229602-24       176.54       
229082-10       282.11                   229612-24       124.45       
229092-22       355.17                   229622-28        48.12       
229102-09       263.25                   229632-23       259.72       
229112-10       309.03                   229642-24       144.40       
229122-09       322.80                   229652-23        68.35       
229132-07       221.28                   229662-24       103.39       
229142-07       145.09                   229672-23       233.88       
229152-09       107.80                   229682-24       152.74       
229162-07       238.07                   229692-24       269.45       

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 8
                                             2/29/00

                           ACCOUNT #         6033757

NEW YORK BAGEL ENTERPRISES, INC                           
PAYROLL  ACCOUNT DEBTOR IN POSSESSION                     
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

229702-23        73.12                   230272-25        15.22       
229712-25        99.03                   230282-29       310.82       
229722-18        94.03                   230292-23       138.15       
229732-24       187.73                   230302-23       804.13       
229742-24       166.09                   230312-24        87.44       
229762-22       207.12                   230322-23       116.51       
229772-18       185.58                   230332-24       171.20       
229782-24       104.57                   230342-23       142.14       
229792-23       218.70                   230352-23       282.25       
229802-22       184.68                   230372-23       204.46       
229822-22        91.23                   230382-23       177.64       
229832-22     1,039.30                   230392-22       140.33       
229842-24       102.03                   230402-22       428.03       
229852-23        53.26                   230412-22       108.61       
229862-24        99.80                   230422-23       131.41       
229882-23       110.52                   230432-22       304.28       
229892-24       141.51                   230442-22       357.53       
229912-24       258.31                   230452-22       149.22       
229922-22       767.10                   230462-23       256.59       
229932-22       591.14                   230472-22       487.04       
229942-18       554.10                   230482-22       528.14       
229952-22       302.22                   230492-23       231.58       
229962-22       242.14                   230502-29       115.36       
229972-18       323.04                   230512-22        79.76       
229982-22       309.20                   230522-23       541.13       
230002-18       263.75                   230532-23       194.70       
230012-18       316.06                   230542-23        98.13       
230022-22       676.76                   230552-23       775.84       
230032-18       166.07                   230562-23       197.62       
230042-22       287.62                   230572-23       251.34       
230052-23       338.89                   230582-25       328.21       
230062-22       659.05                   230592-24       241.79       
230072-22       120.04                   230602-25        58.61       
230082-23       255.16                   230612-23       112.71       
230102-22       322.66                   230622-24       143.82       
230112-25       423.06                   230632-24       442.18       
230122-23        67.69                   230642-24       193.76       
230132-22       194.11                   230652-24       236.04       
230142-22       236.51                   230662-28       119.77       
230152-23       335.48                   230682-23        92.86       
230162-22       295.75                   230692-22       238.53       
230172-22       110.06                   230702-22       308.78       
230182-22       176.93                   230712-22       377.89       
230192-22       238.23                   230732-23       106.69       
230212-23       677.57                   230742-22       137.97       
230232-22       210.23                   230752-22       455.92       
230242-24       129.70                   230762-18       367.96       
230252-24        77.41                   230772-24       273.36       
230262-28       222.24                   230782-18       574.79       

CONTINUED ON NEXT PAGE                  

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 9
                                             2/29/00

                           ACCOUNT #         6033757

NEW YORK BAGEL ENTERPRISES, INC                           
PAYROLL  ACCOUNT DEBTOR IN POSSESSION                     
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

230792-18       160.52                   231312-23       451.27       
230802-18       614.21                   231322-23       257.66       
230812-23       773.56                   231332-23        33.94       
230822-23        45.14                   231342'-22      118.93       
230832-22       119.19                   231352-22       556.46       
230842-29       403.38                   231362-22       114.29       
230852-22       606.65                   231372-22       113.97       
230862-18       251.05                   231382-24       170.95       
230872-22       419.95                   231392-23       176.71       
230882-23       187.11                   231402-23        80.13       
230892-18       203.35                   231422-22       212.68       
230902-24       119.79                   231432-22       157.88       
230922-18       221.36                   231442-22       456.46       
230932-22       189.59                   231452-23       254.60       
230942-22       559.91                   231462-22       120.88       
230952-25       453.07                   231472-23        74.09       
230962-24       116.93                   231482-23       287.15       
230972-23       168.72                   231492-23       455.77       
230982-22       396.39                   231502-25       533.11       
230992-23       112.91                   231512-22       548.75       
231002-24       235.22                   231522-23        64.41       
231012-18       164.33                   231542-25       260.45       
231022-24       276.77                   231552-22       390.77       
231032-29        66.84                   231562-22       422.04       
231042-23       257.64                   231572-24       309.53       
231052-18       292.40                   231582-23       151.88       
231062-24        34.01                   231592-23        89.75       
231072-23       195.98                   231602-23       245.76       
231082-24       204.06                   231612-22       584.89       
231092-25       722.51                   231622-23       378.75       
231112-22       796.01                   231632-23       893.28       
231122-24       106.33                   231642-23        99.43       
231132*18       594.20                   231652-23       293.21       
231142-22       394.06                   231662-23       416.44       
231152-22       194.15                   231672-23       837.05       
231162-22       366.63                   231682-23       134.57       
231172-22       185.46                   231692-22       682.71       
231192-23        78.73                   231702-24       154.53       
231202-22       420.98                   231712-23       149.86       
231212-24       491.07                   231722-22        71.61       
231222-23        88.48                   231732-24       257.77       
231232-23       373.60                   231742-23       495.97       
231242-23       330.56                   231762-24       129.24       
231252-22       583.99                   231792-24        74.90       
231262-18        40.60                   231802-23        47.90       
231272-18       363.48                   231822-22       647.87       
231282-22       206.72                   231832-24        63.82       
231292-22       216.04                   231842-22       156.98       
231302-18     1,089.28                   231852-23        78.79       

CONTINUED ON NEXT PAGE                  

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                             PAGE 10
                                             2/29/00

                           ACCOUNT #         6033757

NEW YORK BAGEL ENTERPRISES, INC                           
PAYROLL  ACCOUNT DEBTOR IN POSSESSION                     
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

231862-28       121.84                   232182-22       197.03       
231872-23       145.93                   232192'-29       97.64       
231882-23       160.20                   232202-23        21.38       
231892-22       591.29                   232212-23        58.05       
231922-22       178.61                   232222-22       662.65       
231932-22       140.18                   232232-22        74.45       
231942-22       355.69                   232242-22       130.05       
231952-24       100.28                   232252-23        93.96       
231962-23       148.47                   232262-28       346.62       
231972-22       133.39                   232272-22       234.13       
231982-22       117.31                   232282-22       147.57       
231992-22       245.88                   232292-24       118.62       
232002-22       556.82                   232302-25       182.86       
232012-24        78.01                   232312-22       149.85       
232032-24        78.67                   232322-24       105.52       
232042-22       332.64                   232332-28       123.45       
232052-22       143.81                   232342-24       237.61       
232072-22       393.01                   232352-24       211.55       
232082'-22       82.13                   232362-24       152.63       
232112-22       111.68                   232372-24       656.69       
232122-23       108.69                   232382-22       379.87       
232132-23        65.99                   232392-24       497.87       
232152-22       190.06                   232402-24    25,514.81       
232172-22       214.49                        2-08        96.36       

---------------------------DAILY BALANCE SUMARY------------------------------   
DATE      BALANCE    DATE     BALANCE              DATE     BALANCE             
1-31     21,641.98   2-01     24,104.64            2-02     27,292.66           
2-03     28,235.01   2-04     29,893.21            2-07     3,370.88            
2-08     19,899.12   2-09     18,676.34            2-10     3,419.21            
2-11      6,581.82   2-14     19,810.28           2-15     44,940.93            
2-16     50,248.16   2-17     59,360.09           2-18     67,801.83            
2-22     33,892.34   2-23    117,319.73           2-24     78,995.36            
2-25     79,869.53   2-28     90,230.89           2-29    112,696.85            

AVERAGE LEDGER BALANCE FOR THIS CYCLE IS                   43,506.15            
MINIMUM LEDGER BALANCE FOR THIS CYCLE IS                       3,370            

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275  

CHAPTER 11  
MONTHLY REPORTING AFFIDAVIT   
FOR THE MONTH ENDING FEBRUARY 23, 2000    

NEW YORK BAGEL ENTERPRISES, INC         
RECONCILIATION OF STORE 11 ACCOUNT      
ACCOUNT NUMBER: 998320                  
TAX ID NUMBER 73-1369185                

FEBRUARY                                                                        

BALANCE PER G/L FEBRUARY 23, 2000                           (6,247.72)          

CREDIT CARD DISCOUNTS                             67160-11     (66.16)          
BANK SERVICE CHARGES                              67170-11     (45.70)          
NORTHERN LEASING                                  64010-11     (32.08)          
BAD CHECKS                                        67250-11                      
VISA                                              12010-11   1,737.09           

DEPOSITS IN TRANSIT                                            117.08           
                                                    162.73
                                                    124.34
                                                     29.88
                                                    393.18
                                                    166.03
                                                     50.00
                                                     91.72

DEPOSITS FROM SALES                                          4,478.51           

DEPOSITS - WHOLESALE NOT ON PAPERWORK                           62.71           
                                                    142.64
                                                    250.44
                                                      0.05

DEPOSITS MISSING FROM BANK STATEMENT                           (50.10)          
                                                     (72.52)

ACH IN TRANSIT                                                (100.00)          
                                                    (400.00)
                                                    (200.00)
                                                    (450.00)

ADJUSTED LEDGER BALANCE                                        142.12           

BALANCE PER BANK STATEMENT                                     142.12           

ADJUSTED BANK BALANCE                                          142.12           

UNRECONCILED VARIANCE                                             -             

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.        
CASE NO.  00-10275      

CHAPTER 11      
MONTHLY REPORTING AFFIDAVIT       
FOR THE MONTH ENDING FEBRUARY 23, 2000      

STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 1
                                             2/29/00

                          ACCOUNT #         998320

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

99 832 0  COMMERCIAL CHECKING           

PREVIOUS BALANCE              1/31/00               764.21
+DEPOSIS/CREDITS                              59  6,871.85
 -CHECKS/DEBITS                                22 (7,448.24)
 -SERVICE CHARGES                                    (45.70)
+INTEREST PAID                                         -  
CURRENT BALANCE                                     142.12

--------------------------DESCRIPTIVE TRANSACTIONS---------------------------   

DATE       TRACER   DESCRIPTION                            AMOUNT               

2-01               7CUSTOMER DEPOSIT                          550.45            
2-01          130201INTERNET BANKING FUNDS XFER              (700.00)           
2-02              10CUSTOMER DEPOSIT                          494.68            
2-02          100202MERCHANT BNKCK DEPOSIT                    106.01            
2-02          120202INTERNET BANKING FUNDS XFER              (600.00)           
2-03             108CUSTOMER DEPOSIT                          176.17            
2-03          220202NORTHERN LEASING                          (32.08)           
2-03          100203MERCHANT BNKCK DEPOSIT                    (66.16)           
2-03          230203INTERNET BANKING FUNDS XFER              (500.00)           
2-04               3CUSTOMER DEPOSIT                          300.00            
2-04               3CUSTOMER DEPOSIT                          124.37            
2-04               3CUSTOMER DEPOSIT                           50.43            
2-04          100204MERCHANT BNKCK DEPOSIT                     62.36            
2-04          120204INTERNET BANKING FUNDS XFER              (150.00)           
2-07              73CUSTOMER DEPOSIT                           81.11            
2-07              73CUSTOMER DEPOSIT                           81.93            
2-07              73CUSTOMER DEPOSIT                          166.04            
2-07          120207MERCHANT BNKCK DEPOSIT                     87.13            
2-07          120207AMERICAN EXPRESS SETTLEMENT                 5.44            
2-07          250207INTERNET BANKING FUNDS XFER              (550.00)           
2-08              98CUSTOMER DEPOSIT                          123.82            
2-08           90208MERCHANT BNKCK DEPOSIT                     93.01            
2-08           90208AMERICAN EXPRESS SETTLEMENT                 5.86            
2-08          210208INTERNET BANKING FUNDS XFER              (400.00)           
2-09              27CUSTOMER DEPOSIT                          124.23            
2-09          100209MERCHANT BNKCK DEPOSIT                    116.67            
2-09          120209INTERNET BANKING FUNDS XFER              (250.00)           
2-10             121CUSTOMER DEPOSIT                          229.76            
2-10          100210MERCHANT BNKCK DEPOSIT                     61.34            
2-10          230210INTERNET BANKING FUNDS XFER              (250.00)           
2-11              63CUSTOMER DEPOSIT                          389.31            
2-11          100211MERCHANT BNKCK DEPOSIT                     43.63            
2-11          120211INTERNET BANKING FUNDS XFER              (300.00)           
2-14              90CUSTOMER DEPOSIT                           73.38            
2-14              90CUSTOMER DEPOSIT                           56.26            
2-14              90CUSTOMER DEPOSIT                           41.60            
2-14              90CUSTOMER DEPOSIT                           34.09            

CONTINUE ON NEXT PAGE                   

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 2
                                             2/29/00

                          ACCOUNT #         998320

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

2-14          130211MERCHANT BNKCK DEPOSIT                     54.71            
2-14          140214INTERNET BANKING FUNDS XFER              (400.00)           
2-15              14CUSTOMER DEPOSIT                           37.40            
2-15           90215MERCHANT BNKCK DEPOSIT                    108.46            
2-15          210215INTERNET BANKING FUNDS XFER              (250.00)           
2-16          100216MERCHANT BNKCK DEPOSIT                    154.60            
2-16          160216INTERNET BANKING FUNDS XFER              (150.00)           
2-17              22CUSTOMER DEPOSIT                           62.71            
2-17              22CUSTOMER DEPOSIT                          142.64            
2-17          100217MERCHANT BNKCK DEPOSIT                     91.46            
2-17          180217INTERNET BANKING FUNDS XFER              (200.00)           
2-18               4CUSTOMER DEPOSIT                          250.44            
2-18          100218MERCHANT BNKCK DEPOSIT                     74.42            
2-18          120218INTERNET BANKING FUNDS XFER              (250.00)           
2-22              37CUSTOMER DEPOSIT                          166.03            
2-22              37CUSTOMER DEPOSIT                          182.04            
2-22              37CUSTOMER DEPOSIT                           40.74            
2-22              37CUSTOMER DEPOSIT                          429.34            
2-22              37CUSTOMER DEPOSIT                           23.86            
2-22          110222AMERICAN EXPRESS SETTLEMENT                 3.85            
2-22          110222MERCHANT BNKCK DEPOSIT                     67.06            
2-22          110222AMERICAN EXPRESS SETTLEMENT                 3.63            
2-22          260222INTERNET BANKING FUNDS XFER              (350.00)           
2-23              22CUSTOMER DEPOSIT                           96.26            
2-23           90223MERCHANT BNKCK DEPOSIT                     33.10            
2-23           90223AMERICAN EXPRESS SETTLEMENT                23.09            
2-23          120223INTERNET BANKING FUNDS XFER              (900.00)           
2-24               9CUSTOMER DEPOSIT                           79.90            
2-24          100224MERCHANT BNKCK DEPOSIT                    278.28            
2-24          150224INTERNET BANKING FUNDS XFER              (100.00)           
2-25              96CUSTOMER DEPOSIT                          117.08            
2-25         100225MERCHANT BNKCK DEPOSIT                     51.69             
2-25          100225AMERICAN EXPRESS SETTLEMENT                 7.16            
2-25          130225INTERNET BANKING FUNDS XFER              (400.00)           
2-28              10CUSTOMER DEPOSIT                          162.73            
2-28              10CUSTOMER DEPOSIT                          124.34            
2-28              10CUSTOMER DEPOSIT                           29.88            
2-28          120228AMERICAN EXPRESS SETTLEMENT                19.02            
2-28          120228MERCHANT BNKCK DEPOSIT                     97.62            
2-28          120228AMERICAN EXPRESS SETTLEMENT                 7.25            
2-28          140228INTERNET BANKING FUNDS XFER              (200.00)           
2-29             125CUSTOMER DEPOSIT                           91.72            
2-29          100229MERCHANT BNKCK DEPOSIT                     80.24            
2-29          120229INTERNET BANKING FUNDS XFER              (450.00)           
2-29             999SERVICE CHARGE                            (45.70)           

CONTINUE ON NEXT PAGE                   

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 3
                                             2/29/00

                          ACCOUNT #         998320

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

---------------------------DAILY BALANCE SUMMARY-----------------------------   
DATE       BALANCE  DATE      BALANCE              DATE    BALANCE              
1-31       764.21   2-01        614.66             2-02       615.35            
2-03       193.28   2-04        580.44             2-07       452.09            
2-08       274.78   2-09        265.68             2-10       306.80            
2-11       439.74   2-14        299.78             2-15       195.64            
2-16       200.24   2-17        297.05             2-18       371.91            
2-22       938.46   2-23        190.91             2-24       449.09            
2-25       225.02   2-28        465.86             2-29       142.12            

AVERAGE LEDGER BALANCE FOR THIS CYCLE IS                      405.07            
MINIMUM LEDGER BALANCE FOR THIS CYCLE IS                         187            

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.      
CASE NO.  00-10275      

CHAPTER 11        
MONTHLY REPORTING AFFIDAVIT       
FOR THE MONTH ENDING FEBRUARY 23, 2000      

NEW YORK BAGEL ENTERPRISES, INC         
RECONCILIATION OF STORE 12 ACCOUNT      
ACCOUNT NUMBER: 998309                  
TAX ID NUMBER 73-1369185                

FEBRUARY                                                                        

BALANCE PER G/L FEBRUARY 23, 2000                          (16,555.28)          

CREDIT CARD DISCOUNTS                             67160-12     (64.80)          
BANK SERVICE CHARGES                              67170-12     (65.31)          
NORTHERN LEASING                                  64010-12     (32.08)          
BAD CHECKS                                        67250-12     (20.12)          
VISA                                              12010-12   1,817.51           

DEPOSITS NOT ON PAPERWORK                                       45.00           
                                                    800.35
                                                      0.01

DEPOSITS IN TRANSIT                                            684.90           
                                                    846.68
                                                    173.19
                                                    994.63

ACH IN TRANSIT                                                (100.00)          
                                                  (1,200.00)
                                                  (1,100.00)
                                                     (50.00)

DEPOSITS FROM SALES                                         15,911.56           

ADJUSTED LEDGER BALANCE                                      2,086.24           

BALANCE PER BANK STATEMENT                                   2,086.24           

ADJUSTED BANK BALANCE                                        2,086.24           

UNRECONCILED VARIANCE                                             -             

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275    

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT   
FOR THE MONTH ENDING FEBRUARY 23, 2000  

STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 1
                                             2/29/00

                          ACCOUNT #         998309

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

99 830 9  COMMERCIAL CHECKING           

 PREVIOUS BALANCE              1/31/00              1,921.88
 +DEPOSIS/CREDITS                              69  19,046.66
  -CHECKS/DEBITS                                33 (18,823.00)
  -SERVICE CHARGES                                     (59.30)
+INTEREST PAID                                          - 
 CURRENT BALANCE                                    2,086.24

--------------------------DESCRIPTIVE TRANSACTIONS---------------------------   

DATE       TRACER   DESCRIPTION                            AMOUNT               

2-01               8CUSTOMER DEPOSIT                          973.64            
2-01          100201MERCHANT BNKCK DEPOSIT                     28.35            
2-01          130201INTERNET BANKING FUNDS XFER            (1,900.00)           
2-02             102CUSTOMER DEPOSIT                          884.65            
2-02          230201NOVUS SERVICES SETTLEMENT                   7.65            
2-02          100202MERCHANT BNKCK DEPOSIT                     89.90            
2-02          100202MERCHANT BNKCK DEPOSIT                    113.86            
2-02          100202AMERICAN EXPRESS SETTLEMENT                 5.57            
2-02          120202INTERNET BANKING FUNDS XFER            (1,000.00)           
2-03             132CUSTOMER DEPOSIT                          749.16            
2-03          220202NOVUS SERVICES SETTLEMENT                   1.39            
2-03          100203MERCHANT BNKCK DEPOSIT                     55.66            
2-03               8CHARGEBACK ITEM                            (8.59)           
2-03               8CHARGEBACK ITEM                            (5.52)           
2-03          220202NORTHERN LEASING                          (32.08)           
2-03          100203MERCHANT BNKCK DISCOUNT                   (12.62)           
2-03          100203MERCHANT BNKCK DISCOUNT                    (7.35)           
2-03          100203MERCHANT BNKCK DISCOUNT                   (26.58)           
2-03          100203MERCHANT BNKCK DISCOUNT                   (15.60)           
2-03          100203MERCHANT BNKCK DISCOUNT                    (1.40)           
2-03          230203INTERNET BANKING FUNDS XFER            (1,050.00)           
2-03               8CHARGEBACK FEE                             (2.00)           
2-04               8CHARGEBACK FEE                             (2.00)           
2-04              73CUSTOMER DEPOSIT                          485.00            
2-04              73CUSTOMER DEPOSIT                          411.31            
2-04          100204MERCHANT BNKCK DEPOSIT                     52.41            
2-04          100204MERCHANT BNKCK DISCOUNT                    (1.25)           
2-07          120204INTERNET BANKING FUNDS XFER              (750.00)           
2-07               4CUSTOMER DEPOSIT                        1,052.90            
2-07              24CUSTOMER DEPOSIT                          576.12            
2-07          230204NOVUS SERVICES SETTLEMENT                   3.54            
2-07          120207MERCHANT BNKCK DEPOSIT                     85.89            
2-07          120207AMERICAN EXPRESS SETTLEMENT                 6.08            
2-07          250207INTERNET BANKING FUNDS XFER              (950.00)           
2-08           90208MERCHANT BNKCK DEPOSIT                     57.71            
2-08          210208INTERNET BANKING FUNDS XFER            (1,700.00)           
2-09             120CUSTOMER DEPOSIT                          227.85            

CONTINUE ON NEXT PAGE                   

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 2
                                             2/29/00

                          ACCOUNT #         998309

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

2-09             120CUSTOMER DEPOSIT                           88.89            
2-09          100209MERCHANT BNKCK DEPOSIT                     30.21            
2-09          100209MERCHANT BNKCK DEPOSIT                     97.94            
2-09          120209INTERNET BANKING FUNDS XFER               (50.00)           
2-10             102CUSTOMER DEPOSIT                          596.74            
2-10          100210MERCHANT BNKCK DEPOSIT                     45.44            
2-10          230210INTERNET BANKING FUNDS XFER              (450.00)           
2-11               2CUSTOMER DEPOSIT                        1,185.97            
2-11          100211MERCHANT BNKCK DEPOSIT                     44.64            
2-11          120211INTERNET BANKING FUNDS XFER              (650.00)           
2-14              15CUSTOMER DEPOSIT                        1,003.37            
2-14              91CUSTOMER DEPOSIT                          790.27            
2-14          130211MERCHANT BNKCK DEPOSIT                     73.38            
2-14          120214AMERICAN EXPRESS SETTLEMENT                15.28            
2-14          140214INTERNET BANKING FUNDS XFER            (1,250.00)           
2-15             121CUSTOMER DEPOSIT                          226.46            
2-15          240214NOVUS SERVICES SETTLEMENT                   7.62            
2-15           90215MERCHANT BNKCK DEPOSIT                     61.04            
2-15          210215INTERNET BANKING FUNDS XFER            (1,850.00)           
2-16               8CUSTOMER DEPOSIT                          508.27            
2-16          100216MERCHANT BNKCK DEPOSIT                     30.46            
2-16          100216MERCHANT BNKCK DEPOSIT                     47.69            
2-16          160216INTERNET BANKING FUNDS XFER              (300.00)           
2-17               1CUSTOMER DEPOSIT                          807.44            
2-17               5CUSTOMER DEPOSIT                          460.96            
2-17          210216NOVUS SERVICES SETTLEMENT                  17.16            
2-17          100217MERCHANT BNKCK DEPOSIT                    129.31            
2-17               7CHARGEBACK ITEM                            (6.01)           
2-17          180217INTERNET BANKING FUNDS XFER              (600.00)           
2-17               7CHAGERBACK FEE                             (2.00)           
2-18             137CUSTOMER DEPOSIT                        1,085.71            
2-18          100218MERCHANT BNKCK DEPOSIT                     43.91            
2-18          120218INTERNET BANKING FUNDS XFER            (1,400.00)           
2-22              97CUSTOMER DEPOSIT                          338.78            
2-22              97CUSTOMER DEPOSIT                          418.68            
2-22              97CUSTOMER DEPOSIT                          104.12            
2-22              97CUSTOMER DEPOSIT                          208.90            
2-22          230218NOVUS SERVICES SETTLEMENT                  10.31            
2-22          110222MERCHANT BNKCK DEPOSIT                    109.31            
2-22          260222INTERNET BANKING FUNDS XFER            (1,150.00)           
2-23          240222NOVUS SERVICES SETTLEMENT                   7.29            
2-23           90223MERCHANT BNKCK DEPOSIT                     72.71            
2-23           90223AMERICAN EXPRESS SETTLEMENT                14.95            
2-23          120223INTERNET BANKING FUNDS XFER            (1,200.00)           
2-24              18CUSTOMER DEPOSIT                          199.18            
2-24              18CUSTOMER DEPOSIT                          825.38            
2-24          130223NOVUS SERVICES SETTLEMENT                   5.26            
2-24          100224MERCHANT BNKCK DEPOSIT                    115.92            
2-24          100224MERCHANT BNKCK DEPOSIT                     63.18            

CONTINUE ON NEXT PAGE                   

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 3
                                             2/29/00

                          ACCOUNT #         998309

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

2-24          100224MERCHANT BNKCK DEPOSIT                     61.39            
2-24          150224INTERNET BANKING FUNDS XFER              (100.00)           
2-25              89CUSTOMER DEPOSIT                          320.00            
2-25              89CUSTOMER DEPOSIT                          684.90            
2-25          100225MERCHANT BNKCK DEPOSIT                     38.59            
2-25          130225INTERNET BANKING FUNDS XFER            (1,200.00)           
2-28          120228AMERICAN EXPRESS SETTLEMENT                24.07            
2-28          120228MERCHANT BNKCK DEPOSIT                     48.60            
2-28          140228INTERNET BANKING FUNDS XFER            (1,100.00)           
2-29              98CUSTOMER DEPOSIT                          994.63            
2-29              98CUSTOMER DEPOSIT                          173.19            
2-29              98CUSTOMER DEPOSIT                          846.68            
2-29          260228NOVUS SERVICES SETTLEMENT                   8.38            
2-29          260228NOVUS SERVICES SETTLEMENT                   2.24            
2-29          100229MERCHANT BNKCK DEPOSIT                     83.22            
2-29          120229INTERNET BANKING FUNDS XFER               (50.00)           
2-29             999SERVICE CHARGE                            (59.30)           

-------------------------DAILY BALANCE SUMMARY-------------------------------   
DATE       BALANCE  DATE      BALANCE              DATE    BALANCE              
1-31      1,921.88  2-01       1,023.87             2-02     1,125.50           
2-03        767.97  2-04         965.44             2-07     1,739.97           
2-08         97.68  2-09         492.57             2-10       684.75           
2-11      1,265.36  2-14       1,897.66             2-15       342.78           
2-16        629.20  2-17       1,436.06             2-18     1,165.68           
2-22      1,205.78  2-23         100.73             2-24     1,271.04           
2-25      1,114.53  2-28          87.20             2-29     2,086.24           

AVERAGE LEDGER BALANCE FOR THIS CYCLE IS                    1,018.04            
MINIMUM LEDGER BALANCE FOR THIS CYCLE IS                          87            

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275  

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT     
FOR THE MONTH ENDING FEBRUARY 23, 2000    

NEW YORK BAGEL ENTERPRISES, INC         
RECONCILIATION OF STORE 13 ACCOUNT      
ACCOUNT NUMBER: 998056                  
TAX ID NUMBER 73-1369185                

FEBRUARY                                                                        

BALANCE PER G/L FEBRUARY 23, 2000                          (28,370.90)          

CREDIT CARD DISCOUNTS                             67160-13     (34.91)          
BANK SERVICE CHARGES                              67170-13    (142.29)          
NORTHERN LEASING                                  64010-13     (32.08)          
BAD CHECKS                                        67250-13     (29.29)          
VISA                                              12010-13   4,878.78           

DEPOSITS FROM SALES                                         27,242.54           

DEPOSITS NOT ON PAPERWORK                                      448.25           

DEPOSITS IN TRANSIT                                            484.11           
                                                    547.57
                                                  2,157.83
                                                    726.47
                                                    390.16

ACH IN TRANSIT                                              (1,500.00)          
                                                  (2,100.00)
                                                    (650.00)
                                                    (700.00)

ADJUSTED LEDGER BALANCE                                      3,316.24           

BALANCE PER BANK STATEMENT                                   3,316.24           

ADJUSTED BANK BALANCE                                        3,316.24           

UNRECONCILED VARIANCE                                             -             

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.      
CASE NO.  00-10275    

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT       
FOR THE MONTH ENDING FEBRUARY 23, 2000      

STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 1
                                             2/29/00

                          ACCOUNT #         998056

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

99 805 6  COMMERCIAL CHECKING           

 PREVIOUS BALANCE              1/31/00              4,232.40
 +DEPOSIS/CREDITS                              78  32,322.46
  -CHECKS/DEBITS                                30 (33,106.83)
  -SERVICE CHARGES                                    (131.79)
+INTEREST PAID                                          - 
 CURRENT BALANCE                                    3,316.24

-----------------------DESCRIPTIVE TRANSACTIONS------------------------------   

DATE       TRACER   DESCRIPTION                            AMOUNT               

2-01               3CUSTOMER DEPOSIT                        1,635.21            
2-01          240131NOVUS SERVICES SETTLEMENT                  10.44            
2-01          130201INTERNET BANKING FUNDS XFER            (4,200.00)           
2-02              60CUSTOMER DEPOSIT                        1,529.55            
2-02          100202MERCHANT BNKCD DEPOSIT                    556.31            
2-02          100202AMERICAN EXPRESS SETTLEMENT                14.94            
2-02          120202INTERNET BANKING FUNDS XFER            (1,600.00)           
2-03               3CUSTOMER DEPOSIT                        1,381.64            
2-03          100203AMERICAN EXPRESS SETTLEMENT                 9.51            
2-03               8CHARGEBACK ITEM                            (9.41)           
2-03          220202NOVUS SERVICES SETTLEMENT                  (1.93)           
2-03          220202NORTHERN LEASING                          (32.08)           
2-03          100203MERCHANT BNKCD DEPOSIT                    (32.98)           
2-03          230203INTERNET BANKING FUNDS XFER            (2,100.00)           
2-03               8CHARGEBACK FEE                             (2.00)           
2-04               3CUSTOMER DEPOSIT                          361.20            
2-04               3CUSTOMER DEPOSIT                          570.00            
2-04          130203NOVUS SERVICES SETTLEMENT                   4.84            
2-04          100204MERCHANT BNKCD DEPOSIT                    174.83            
2-04          100204AMERICAN EXPRESS SETTLEMENT                 8.42            
2-04          120204INTERNET BANKING FUNDS XFER            (1,300.00)           
2-07              10CUSTOMER DEPOSIT                          856.46            
2-07              22CUSTOMER DEPOSIT                        1,147.09            
2-07              22CUSTOMER DEPOSIT                        1,183.24            
2-07          120207MERCHANT BNKCD DEPOSIT                    131.45            
2-07          120207AMERICAN EXPRESS SETTLEMENT                14.23            
2-07          250207INTERNET BANKING FUNDS XFER            (1,200.00)           
2-08             126CUSTOMER DEPOSIT                          203.44            
2-08          230207NOVUS SERVICES SETTLEMENT                   5.78            
2-08          230207NOVUS SERVICES SETTLEMENT                   8.48            
2-08           90208MERCHANT BNKCD DEPOSIT                    172.62            
2-08           90208AMERICAN EXPRESS SETTLEMENT                 4.98            
2-08               8CHARGEBACK ITEM                           (10.83)           
2-08          210208INTERNET BANKING FUNDS XFER            (3,300.00)           
2-08               8CHARGEBACK FEE                             (2.00)           
2-09              27CUSTOMER DEPOSIT                          399.72            
2-09          100209AMERICAN EXPRESS SETTLEMENT                17.18            

CONTINUE ON NEXT PAGE                   

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 2
                                             2/29/00

                          ACCOUNT #         998056

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

2-09          100209MERCHANT BNKCK DEPOSIT                    577.19            
2-09          120209INTERNET BANKING FUNDS XFER              (400.00)           
2-10              15CUSTOMER DEPOSIT                        1,324.16            
2-10          130209NOVUS SERVICES SETTLEMENT                  10.25            
2-10          100210MERCHANT BNKCK DEPOSIT                     87.88            
2-10          230210INTERNET BANKING FUNDS XFER            (1,000.00)           
2-11               4CUSTOMER DEPOSIT                          500.69            
2-11          210210NOVUS SERVICES SETTLEMENT                  31.18            
2-11          100211MERCHANT BNKCK DEPOSIT                    169.13            
2-11          100211AMERICAN EXPRESS SETTLEMENT                 6.93            
2-11          120211INTERNET BANKING FUNDS XFER            (1,400.00)           
2-14              15CUSTOMER DEPOSIT                        1,804.19            
2-14              89CUSTOMER DEPOSIT                        1,503.36            
2-14          130211NOVUS SERVICES SETTLEMENT                  11.09            
2-14          130211MERCHANT BNKCK DEPOSIT                    134.98            
2-14          120214AMERICAN EXPRESS SETTLEMENT                19.02            
2-14          120214AMERICAN EXPRESS SETTLEMENT                16.93            
2-14          140214INTERNET BANKING FUNDS XFER              (750.00)           
2-15              18CUSTOMER DEPOSIT                          216.41            
2-15              18CUSTOMER DEPOSIT                          199.52            
2-15          240214NOVUS SERVICES SETTLEMENT                   3.56            
2-15           90215MERCHANT BNKCK DEPOSIT                    174.98            
2-15          210215INTERNET BANKING FUNDS XFER            (3,400.00)           
2-16               1CUSTOMER DEPOSIT                          584.03            
2-16          220215NOVUS SERVICES SETTLEMENT                   5.36            
2-16          100216MERCHANT BNKCK DEPOSIT                    518.70            
2-16          160216INTERNET BANKING FUNDS XFER              (650.00)           
2-17              13CUSTOMER DEPOSIT                        1,276.43            
2-17          100217MERCHANT BNKCK DEPOSIT                    113.75            
2-17          100217AMERICAN EXPRESS SETTLEMENT                15.07            
2-17          180217INTERNET BANKING FUNDS XFER            (1,100.00)           
2-18          100218MERCHANT BNKCK DEPOSIT                    308.41            
2-18          100218AMERICAN EXPRESS SETTLEMENT                26.90            
2-18          120218INTERNET BANKING FUNDS XFER            (1,400.00)           
2-22               2CUSTOMER DEPOSIT                        1,315.44            
2-22               2CUSTOMER DEPOSIT                          381.56            
2-22              95CUSTOMER DEPOSIT                          461.94            
2-22              95CUSTOMER DEPOSIT                          355.71            
2-22              95CUSTOMER DEPOSIT                        1,159.40            
2-22          230218NOVUS SERVICES SETTLEMENT                  12.50            
2-22          110222AMERICAN EXPRESS SETTLEMENT                52.84            
2-22          110222MERCHANT BNKCK DEPOSIT                    119.43            
2-22          110222AMERICAN EXPRESS SETTLEMENT                67.47            
2-22          260222INTERNET BANKING FUNDS XFER              (350.00)           
2-23             100CUSTOMER DEPOSIT                        1,266.46            
2-23          240222NOVUS SERVICES SETTLEMENT                  23.32            
2-23           90223MERCHANT BNKCK DEPOSIT                    157.19            
2-23           90223AMERICAN EXPRESS SETTLEMENT                11.74            
2-23          120223INTERNET BANKING FUNDS XFER            (3,900.00)           

CONTINUE ON NEXT PAGE                   

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 3
                                             2/29/00

                          ACCOUNT #         998056

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

2-24              19CUSTOMER DEPOSIT                        1,520.64            
2-24          100224MERCHANT BNKCK DEPOSIT                    598.79            
2-24          150224INTERNET BANKING FUNDS XFER            (1,500.00)           
2-25              94CUSTOMER DEPOSIT                          484.11            
2-25          160224NOVUS SERVICES SETTLEMENT                   5.78            
2-25          100225MERCHANT BNKCK DEPOSIT                    104.85            
2-25          100225AM                                         21.44            
2-25          130225INTERNET BANKING FUNDS XFER            (2,100.00)           
2-28               1CUSTOMER DEPOSIT                          547.57            
2-28          120228AM                                         11.34            
2-28          120228MERCHANT BNKCK DEPOSIT                    209.79            
2-28          140228INTERNET BANKING FUNDS XFER              (650.00)           
2-29             108CUSTOMER DEPOSIT                        2,157.83            
2-29             108CUSTOMER DEPOSIT                          726.47            
2-29             108CUSTOMER DEPOSIT                          390.16            
2-29          260228NOVUS SERVICES SETTLEMENT                   2.97            
2-29          260228NOVUS SERVICES SETTLEMENT                   5.02            
2-29          100229MERCHANT BNKCK DEPOSIT                    109.04            
2-29               7CHARGEBACK ITEM                            (9.05)           
2-29          120229INTERNET BANKING FUNDS XFER              (700.00)           
2-29             108DEPOSIT CORRECTION                         (4.55)           
2-29               7CHARGEBACK FEE                             (2.00)           
2-29             999SERVICE CHARGE                            (59.30)           

-------------------------DAILY BALANCE SUMMARY-------------------------------   
DATE       BALANCE  DATE      BALANCE              DATE    BALANCE              
1-31     4,232.40   2-01       1,678.05            2-02     2,178.85            
2-03     1,391.60   2-04       1,210.89            2-07     3,343.36            
2-08       425.83   2-09       1,019.92            2-10     1,442.21            
2-11       750.14   2-14       3,489.71            2-15       684.18            
2-16     1,142.27   2-17       1,447.52            2-18       382.83            
2-22     3,959.12   2-23       1,517.83            2-24     2,137.26            
2-25       653.44   2-28         772.14            2-29     3,316.24            

AVERAGE LEDGER BALANCE FOR THIS CYCLE IS                    1,387.48            
MINIMUM LEDGER BALANCE FOR THIS CYCLE IS                         382            

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275    

CHAPTER 11      
MONTHLY REPORTING AFFIDAVIT     
FOR THE MONTH ENDING FEBRUARY 23, 2000      

NEW YORK BAGEL ENTERPRISES, INC         
RECONCILIATION OF VPR ACCOUNT           
ACCOUNT NUMBER: 99043291                
TAX ID NUMBER 73-1369185                

FEBRUARY                                                                        

BALANCE PER G/L FEBRUARY 23, 2000                              663.67           

ACH IN TRANSIT                                                (500.00)          
                                                     (50.00)

ADJUSTED LEDGER BALANCE                                        113.67           

BALANCE PER BANK STATEMENT                                     113.67           

ADJUSTED BANK BALANCE                                          113.67           

UNRECONCILED VARIANCE                                             -             

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275      

CHAPTER 11      
MONTHLY REPORTING AFFIDAVIT       
FOR THE MONTH ENDING FEBRUARY 23, 2000        

STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 1
                                             2/29/00

                           ACCOUNT #         9043291

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

904 329 1 COMMERCIAL CHECKING           

PREVIOUS BALANCE              1/31/00             1,748.88
+DEPOSIS/CREDITS                               7  4,772.30
 -CHECKS/DEBITS                                11 (6,394.06)
 -SERVICE CHARGES                                    (13.45)
+INTEREST PAID                                         -  
CURRENT BALANCE                                     113.67

---------------------------DESCRIPTIVE TRANSACTIONS--------------------------   

DATE       TRACER   DESCRIPTION                            AMOUNT               

2-01          130201INTERNET BANKING FUNDS XFER            (1,700.00)           
2-07              70CUSTOMER DEPOSIT                        2,563.09            
2-07              70CUSTOMER DEPOSIT                          188.39            
2-08          210208INTERNET BANKING FUNDS XFER            (2,600.00)           
2-09          120209INTERNET BANKING FUNDS XFER              (100.00)           
2-10             102CUSTOMER DEPOSIT                          583.33            
2-11          120211INTERNET BANKING FUNDS XFER              (550.00)           
2-14              97CUSTOMER DEPOSIT                          221.92            
2-15          210215INTERNET BANKING FUNDS XFER              (200.00)           
2-17              29CUSTOMER DEPOSIT                          544.75            
2-18          120218INTERNET BANKING FUNDS XFER              (550.00)           
2-22          260222INTERNET BANKING FUNDS XFER               (50.00)           
2-24              18CUSTOMER DEPOSIT                          584.63            
2-25          130225INTERNET BANKING FUNDS XFER              (500.00)           
2-28          140228INTERNET BANKING FUNDS XFER               (50.00)           
2-29              18CUSTOMER DEPOSIT                           86.19            
2-29             999SERVICE CHARGE                            (13.45)           

------------------------------CHECKS PAID------------------------------------   
NO.       DATE      AMOUNT               NO.       DATE     AMOUNT              
25272-11        51.56                    25292-28        42.50      

------------------------SERVICE CHARGE SUMMARY-------------------------------   
DESCRIPTION                                                 AMOUNT              
MAINTENANCE FEE                                                 8.00            
DEBITS POSTED FEE                                               1.87            
CREDITS POSTED FEE                                              1.19            
LOCAL DEPOSITED ITEM                                            0.42            
NON-LOCAL DEP ITEMS                                             1.95            
FDIC CHARGE                                                     0.02            

CONTINUE ON NEXT PAGE                   

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STILLWATER NATIONAL BANK AND TRUST COMPANY                
[STILLWATER NATIONAL BANK LOGO]                                                 
       SIXTH AND MAIN STREETS  P.O. BOX 1988  STILLWATER, OKLAHOMA 74076
(405)372-2230                                             
OFFICES IN STILLWATER, TULSA, OKLAHOMA CITY, AND CHICKASHA
MEMBER F.D.I.C                                            

STATEMENT           
'WWW.BANKSNB.COM    

                                            PAGE 2
                                             2/29/00

                           ACCOUNT #         9043291

NEW YORK BAGEL ENTERPRISES, INC                           
115 E 8TH AVE                                             
STILLWATER, OK 74074-4601                                 

BANK ONLINE WITH SNB DIRECTBANKER!      

----------------------------DAILY BALANCE SUMMARY----------------------------   
DATE       BALANCE  DATE      BALANCE              DATE    BALANCE              
1-31     1,748.88   2-01         48.88             2-07     2,800.36            
2-08       200.36   2-09        100.36             2-10       683.69            
2-11        82.13   2-14        304.05             2-15       104.05            
2-17       648.80   2-18         98.80             2-22        48.80            
2-24       633.43   2-25        133.43             2-28        40.93            
2-29       113.67                                                               

AVERAGE LEDGER BALANCE FOR THIS CYCLE IS                      303.50            
MINIMUM LEDGER BALANCE FOR THIS CYCLE IS                          40            

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275  

CHAPTER 11    
MONTHLY REPORTING AFFIDAVIT     
FOR THE MONTH ENDING FEBRUARY 23, 2000        

NEW YORK BAGEL ENTERPRISES, INC         
RECONCILIATION OF OKLAHOMA CITY ACCOUNT 
ACCOUNT NUMBER: 000000623809811         
TAX ID NUMBER 73-1369185                

FEBRUARY                                                                        

BALANCE PER G/L FEBRUARY 23, 2000                          (11,513.19)          

CREDIT CARD DISCOUNTS                             67160-021   (633.73)          
BANK SERVICE CHARGES                              67170-021   (246.05)          
BAD CHECKS                                        67250-021    (10.71)          
CREDIT CARD RECEIPTS                              12010-021 23,541.08           
MISCELLANEOUS DEPOSIT                             12000-021    200.55           

DEPOSIT IN TRANSIT                                              93.10           
                                                    303.82
                                                    435.26
                                                    789.13
                                                    924.38
                                                  1,042.87
                                                  1,180.03
                                                    136.26
                                                    279.14
                                                    324.74
                                                    360.48
                                                    577.67
                                                    592.92
                                                    594.70
                                                    613.93
                                                    713.47
                                                    754.64
                                                    760.36
                                                    955.74
                                                  1,023.98
                                                  1,030.00
                                                  1,171.81
                                                  1,624.46
                                                  1,941.52
                                                     57.74
                                                    170.90
                                                    237.07
                                                    313.73
                                                    464.06
                                                    608.82
                                                    824.10
                                                  1,009.29
                                                  1,562.42

ACH IN TRANSIT                                             (12,700.00)          
                                                  (3,800.00)

MISCELLANEOUS DEPOSIT CORRECTION                  12000-021     26.31           

ADJUSTED LEDGER BALANCE                                     18,336.80           

BALANCE PER BANK STATEMENT                                  18,336.80           

ADJUSTED BANK BALANCE                                       18,336.80           

UNRECONCILED VARIANCE                                             -             

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275      

CHAPTER 11        
MONTHLY REPORTING AFFIDAVIT       
FOR THE MONTH ENDING FEBRUARY 23, 2000        

[BANK1ONE LOGO]                                                                 
BANK ONE OKLAHOMA, NA                                                           
P.O. BOX 92102                                                                  
BEDFORD, TX 76095-2102                                                          
                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      
115 E 8TH ST                                                                    
STILLWATER  OK  74074                        FEB 1 THROUGH FEB 29, 2000         
                      PAGE 1 OF 13

_____________________________________________________________________________   
BANK ONE COMMERCIAL CHECKING                                                    
ACCOUNT NUMBER 000000623809811                                                  

NUMBER OF CHECKS PAID              0BEGINNING BALANCE        13,801.91          
NUMBER OF WITHDRAWALS             36CHECKS PAID                    -            
NUMBER OF DEPOSITS/ADDITION      501OTHER WITHDRAWALS      (155,615.79)         
INTEREST PAID THIS PERIOD          0DEPOSITS                160,150.68          
INTEREST PAID THIS YEAR            0BALANCE AS OF FEB. 29    18,336.80          

_____________________________________________________________________________   
OTHER WITHDRAWALS INCLUDING FEES AND LIST POSTED ITEMS                          
DATE     DESCRIPTION                                         AMOUNT             
2-01     NEW YORK BAGEL EACH XFR                              4,000.00          
2-02     DEPOSITED ITEM RETURNED                                  6.43          
2-02     NEW YORK BAGEL EACH XFR                             15,300.00          
2-03     DEPOSIT ERROR CORRECTION DECREASE                       50.00          
2-03     MERCHANT BNKCD DEPOSIT                                  16.59          
2-03     MERCHANT BNKCD DEPOSIT                                  27.70          
2-03     MERCHANT BNKCD DEPOSIT                                  28.17          
2-03     MERCHANT BNKCD DEPOSIT                                  34.90          
2-03     MERCHANT BNKCD DEPOSIT                                  36.68          
2-03     MERCHANT BNKCD DEPOSIT                                  62.06          
2-03     MERCHANT BNKCD DEPOSIT                                 180.52          
2-03     NEW YORK BAGEL EACH XFR                              3,500.00          
2-04     MERCHANT BNKCD DEPOSIT                                   1.25          
2-04     MERCHANT BNKCD DEPOSIT                                   2.50          
2-04     MERCHANT BNKCD FEE                                      31.39          
2-04     MERCHANT BNKCD INTERCHNG                                37.48          
2-04     MERCHANT BNKCD DISCOUNT                                174.49          
2-04     NEW YORK BAGEL EACH XFR                              8,600.00          
2-07     NEW YORK BAGEL EACH XFR                              6,600.00          
2-08     DEPOSIT ERROR CORRECTION DECREASE                       20.30          
2-08     NEW YORK BAGEL EACH XFR                              6,700.00          
2-09     NEW YORK BAGEL EACH XFR                             14,300.00          
2-10     NEW YORK BAGEL EACH XFR                              7,200.00          
2-11     NEW YORK BAGEL EACH XFR                              5,100.00          
2-14     NEW YORK BAGEL EACH XFR                              3,455.00          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                      PAGE 2 OF 13

_____________________________________________________________________________   
OTHER WITHDRAWALS INCLUDING FEES AND LIST POSTED ITEMS                          
DATE     DESCRIPTION                                         AMOUNT             
2-15     NEW YORK BAGEL EACH XFR                              8,800.00          
2-16     DEPOSITED ITEM RETURNED                                  4.28          
2-16     NEW YORK BAGEL EACH XFR                             10,700.00          
2-17     NEW YORK BAGEL EACH XFR                              7,600.00          
2-18     NEW YORK BAGEL EACH XFR                              4,700.00          
2-22     NEW YORK BAGEL EACH XFR                              6,500.00          
2-23     NEW YORK BAGEL EACH XFR                             15,300.00          
2-23     ACCOUNT ANAYLSIS SETTLEMENT CHARGE                     246.05          
2-24     NEW YORK BAGEL EACH XFR                              9,800.00          
2-25     NEW YORK BAGEL EACH XFR                             12,700.00          
2-29     NEW YORK BAGEL EACH XFR                              3,800.00          
                                                  155,615.79

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-01     DEPOSIT                  21                             28.80          
2-01     DEPOSIT                  23                            100.97          
2-01     DEPOSIT                  22                            294.70          
2-01     DEPOSIT                  25                            538.79          
2-01     DEPOSIT                  25                            735.22          
2-01     DEPOSIT                  21                            859.42          
2-01     DEPOSIT                  51                            933.69          
2-01     DEPOSIT                  51                          1,042.17          
2-01     DEPOSIT                  22                          1,205.35          
2-01     DEPOSIT                  26                          1,425.68          
2-01     AMERICAN EXPRESS SETTLEMENT                              7.48          
2-01     AMERICAN EXPRESS SETTLEMENT                             40.61          
2-01     MERCHANT BNKCD DEPOSIT                                  49.12          
2-01     MERCHANT BNKCD DEPOSIT                                 138.41          
2-01     MERCHANT BNKCD DEPOSIT                                 188.27          
2-01     MERCHANT BNKCD DEPOSIT                                 276.56          
2-02     DEPOSIT                  52                            272.71          
2-02     DEPOSIT                  22                            314.27          
2-02     DEPOSIT                  23                            330.15          
2-02     DEPOSIT                  25                            372.89          
2-02     DEPOSIT                  24                            385.23          
2-02     DEPOSIT                  24                            418.49          
2-02     DEPOSIT                  51                            551.04          
2-02     DEPOSIT                  24                            600.39          
2-02     DEPOSIT                  24                            725.04          
2-02     DEPOSIT                  51                            736.96          
2-02     DEPOSIT                  21                            991.47          
2-02     DEPOSIT                  22                          1,278.76          
2-02     DEPOSIT                  26                          1,622.67          
2-02     AMERICAN EXPRESS SETTLEMENT                             11.92          
2-02     AMERICAN EXPRESS SETTLEMENT                             27.64          
2-02     AMERICAN EXPRESS SETTLEMENT                             34.26          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                      PAGE 3 OF 13

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-02     AMERICAN EXPRESS SETTLEMENT                             26.97          
2-02     MERCHANT BNKCD DEPOSIT                                  64.64          
2-02     MERCHANT BNKCD DEPOSIT                                  75.41          
2-02     MERCHANT BNKCD DEPOSIT                                 112.04          
2-02     MERCHANT BNKCD DEPOSIT                                 185.34          
2-02     MERCHANT BNKCD DEPOSIT                                 233.56          
2-02     MERCHANT BNKCD DEPOSIT                                 291.08          
2-02     MERCHANT BNKCD DEPOSIT                                 345.73          
2-03     DEPOSIT                  22                            103.25          
2-03     DEPOSIT                  24                            350.00          
2-03     DEPOSIT                  52                            385.29          
2-03     DEPOSIT                  23                            606.45          
2-03     DEPOSIT                  24                            625.87          
2-03     DEPOSIT                  22                            852.17          
2-03     DEPOSIT                  21                            894.72          
2-03     DEPOSIT                  25                            991.80          
2-03     DEPOSIT                  26                          1,448.42          
2-03     AMERICAN EXPRESS SETTLEMENT                              5.27          
2-03     AMERICAN EXPRESS SETTLEMENT                              9.12          
2-03     AMERICAN EXPRESS SETTLEMENT                             19.36          
2-03     AMERICAN EXPRESS SETTLEMENT                             40.42          
2-03     MERCHANT BNKCD DEPOSIT                                 239.01          
2-04     DEPOSIT                  21                             51.00          
2-04     DEPOSIT                  22                            174.79          
2-04     DEPOSIT                  22                            176.27          
2-04     DEPOSIT                                                181.80          
2-04     DEPOSIT                  21                            241.40          
2-04     DEPOSIT                  26                            307.46          
2-04     DEPOSIT                  24                            314.84          
2-04     DEPOSIT                  51                            365.54          
2-04     DEPOSIT                  23                            368.42          
2-04     DEPOSIT                  25                            450.80          
2-04     DEPOSIT                  24                            555.35          
2-04     AMERICAN EXPRESS SETTLEMENT                              1.84          
2-04     MERCHANT BNKCD DEPOSIT                                  31.46          
2-04     MERCHANT BNKCD DEPOSIT                                  79.05          
2-04     MERCHANT BNKCD DEPOSIT                                  80.52          
2-04     MERCHANT BNKCD DEPOSIT                                 101.19          
2-04     MERCHANT BNKCD DEPOSIT                                 112.47          
2-04     MERCHANT BNKCD DEPOSIT                                 155.76          
2-07     DEPOSIT                  24                             25.00          
2-07     DEPOSIT                  52                             37.49          
2-07     DEPOSIT                  21                            248.67          
2-07     DEPOSIT                  51                            284.09          
2-07     DEPOSIT                  52                            304.45          
2-07     DEPOSIT                  24                            389.30          
2-07     DEPOSIT                  22                            539.56          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                      PAGE 4 OF 13

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-07     DEPOSIT                  52                            597.79          
2-07     DEPOSIT                  23                            647.97          
2-07     DEPOSIT                  24                            664.02          
2-07     DEPOSIT                  51                            735.27          
2-07     DEPOSIT                  51                            781.72          
2-07     DEPOSIT                  26                            794.57          
2-07     DEPOSIT                  22                            834.46          
2-07     DEPOSIT                  21                            866.25          
2-07     DEPOSIT                  23                            947.17          
2-07     DEPOSIT                  26                          1,152.86          
2-07     DEPOSIT                  24                          1,252.55          
2-07     DEPOSIT                  51                          1,354.45          
2-07     DEPOSIT                  21                          1,421.94          
2-07     DEPOSIT                  26                          1,564.43          
2-07     AMERICAN EXPRESS SETTLEMENT                              4.96          
2-07     AMERICAN EXPRESS SETTLEMENT                              5.54          
2-07     AMERICAN EXPRESS SETTLEMENT                              8.25          
2-07     AMERICAN EXPRESS SETTLEMENT                              9.04          
2-07     AMERICAN EXPRESS SETTLEMENT                             10.41          
2-07     AMERICAN EXPRESS SETTLEMENT                             16.13          
2-07     AMERICAN EXPRESS SETTLEMENT                             16.44          
2-07     AMERICAN EXPRESS SETTLEMENT                             25.23          
2-07     AMERICAN EXPRESS SETTLEMENT                             50.40          
2-07     AMERICAN EXPRESS SETTLEMENT                             64.15          
2-07     MERCHANT BNKCD DEPOSIT                                  82.95          
2-07     AMERICAN EXPRESS SETTLEMENT                             85.81          
2-07     MERCHANT BNKCD DEPOSIT                                 107.06          
2-07     MERCHANT BNKCD DEPOSIT                                 113.57          
2-07     MERCHANT BNKCD DEPOSIT                                 133.52          
2-07     MERCHANT BNKCD DEPOSIT                                 167.40          
2-07     MERCHANT BNKCD DEPOSIT                                 171.71          
2-07     MERCHANT BNKCD DEPOSIT                                 228.37          
2-08     DEPOSIT                  22                            180.67          
2-08     DEPOSIT                  24                            301.08          
2-08     DEPOSIT                  52                            302.35          
2-08     DEPOSIT                  24                            405.36          
2-08     DEPOSIT                  25                            416.80          
2-08     DEPOSIT                  25                            438.97          
2-08     DEPOSIT                  21                            444.01          
2-08     DEPOSIT                  23                            493.22          
2-08     DEPOSIT                  22                            711.44          
2-08     DEPOSIT                                              1,124.11          
2-08     AMERICAN EXPRESS SETTLEMENT                              5.26          
2-08     AMERICAN EXPRESS SETTLEMENT                             20.92          
2-08     AMERICAN EXPRESS SETTLEMENT                             24.43          
2-08     MERCHANT BNKCD DEPOSIT                                  33.42          
2-08     MERCHANT BNKCD DEPOSIT                                  36.06          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                      PAGE 5 OF 13

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-08     AMERICAN EXPRESS SETTLEMENT                             59.63          
2-08     AMERICAN EXPRESS SETTLEMENT                             73.93          
2-08     MERCHANT BNKCD DEPOSIT                                  83.84          
2-08     AMERICAN EXPRESS SETTLEMENT                             98.26          
2-08     MERCHANT BNKCD DEPOSIT                                 123.02          
2-08     AMERICAN EXPRESS SETTLEMENT                            125.47          
2-08     MERCHANT BNKCD DEPOSIT                                 146.09          
2-08     MERCHANT BNKCD DEPOSIT                                 225.33          
2-08     MERCHANT BNKCD DEPOSIT                                 398.56          
2-09     DEPOSIT                  22                             66.13          
2-09     DEPOSIT                  21                            309.60          
2-09     DEPOSIT                  24                            526.38          
2-09     DEPOSIT                  51                            581.38          
2-09     DEPOSIT                  52                            646.37          
2-09     DEPOSIT                  21                            777.98          
2-09     DEPOSIT                  26                          1,390.76          
2-09     AMERICAN EXPRESS SETTLEMENT                              3.05          
2-09     AMERICAN EXPRESS SETTLEMENT                              7.53          
2-09     AMERICAN EXPRESS SETTLEMENT                              8.52          
2-09     AMERICAN EXPRESS SETTLEMENT                             48.34          
2-09     AMERICAN EXPRESS SETTLEMENT                             87.00          
2-09     MERCHANT BNKCD DEPOSIT                                 147.22          
2-09     MERCHANT BNKCD DEPOSIT                                 193.42          
2-09     MERCHANT BNKCD DEPOSIT                                 206.15          
2-09     MERCHANT BNKCD DEPOSIT                                 217.99          
2-09     MERCHANT BNKCD DEPOSIT                                 245.20          
2-09     MERCHANT BNKCD DEPOSIT                                 254.65          
2-09     MERCHANT BNKCD DEPOSIT                                 539.81          
2-10     DEPOSIT                  22                             31.64          
2-10     DEPOSIT                  21                             69.67          
2-10     DEPOSIT                  51                             77.75          
2-10     DEPOSIT                  23                            112.90          
2-10     DEPOSIT                  51                            115.21          
2-10     DEPOSIT                  23                            154.66          
2-10     DEPOSIT                  26                            220.20          
2-10     DEPOSIT                                                282.63          
2-10     DEPOSIT                  22                            366.00          
2-10     DEPOSIT                  52                            436.37          
2-10     DEPOSIT                  22                            618.13          
2-10     AMERICAN EXPRESS SETTLEMENT                              4.88          
2-10     AMERICAN EXPRESS SETTLEMENT                              7.66          
2-10     MERCHANT BNKCD DEPOSIT                                  28.93          
2-10     MERCHANT BNKCD DEPOSIT                                  53.09          
2-10     MERCHANT BNKCD DEPOSIT                                  66.74          
2-10     MERCHANT BNKCD DEPOSIT                                  68.75          
2-10     MERCHANT BNKCD DEPOSIT                                  76.06          
2-10     MERCHANT BNKCD DEPOSIT                                 125.26          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                      PAGE 6 OF 13

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-10     MERCHANT BNKCD DEPOSIT                                 144.18          
2-10     MERCHANT BNKCD DEPOSIT                                 242.71          
2-11     DEPOSIT                  51                             21.05          
2-11     DEPOSIT                  24                             25.05          
2-11     DEPOSIT                  25                             88.99          
2-11     DEPOSIT                  24                            310.45          
2-11     DEPOSIT                  24                            395.64          
2-11     DEPOSIT                  23                            597.60          
2-11     DEPOSIT                  24                            609.89          
2-11     DEPOSIT                  26                            802.38          
2-11     DEPOSIT                  21                            920.24          
2-11     AMERICAN EXPRESS SETTLEMENT                             34.07          
2-11     AMERICAN EXPRESS SETTLEMENT                             50.23          
2-11     MERCHANT BNKCD DEPOSIT                                  54.24          
2-11     MERCHANT BNKCD DEPOSIT                                  58.97          
2-11     MERCHANT BNKCD DEPOSIT                                 106.43          
2-11     MERCHANT BNKCD DEPOSIT                                 107.61          
2-11     MERCHANT BNKCD DEPOSIT                                 149.42          
2-11     MERCHANT BNKCD DEPOSIT                                 154.68          
2-11     MERCHANT BNKCD DEPOSIT                                 242.89          
2-14     DEPOSIT                  23                            185.78          
2-14     DEPOSIT                  22                            270.00          
2-14     DEPOSIT                  21                            284.57          
2-14     DEPOSIT                  52                            347.45          
2-14     DEPOSIT                  25                            417.33          
2-14     DEPOSIT                  52                            448.88          
2-14     DEPOSIT                  23                            589.91          
2-14     DEPOSIT                  22                            593.95          
2-14     DEPOSIT                  23                            666.01          
2-14     DEPOSIT                  25                            668.14          
2-14     DEPOSIT                  52                            674.71          
2-14     DEPOSIT                  25                            697.51          
2-14     DEPOSIT                  24                            698.38          
2-14     DEPOSIT                  21                            722.65          
2-14     DEPOSIT                  24                            914.35          
2-14     DEPOSIT                  21                            962.28          
2-14     DEPOSIT                  26                          1,305.64          
2-14     DEPOSIT                  26                          1,377.26          
2-14     DEPOSIT                  26                          1,521.35          
2-14     AMERICAN EXPRESS SETTLEMENT                              3.81          
2-14     AMERICAN EXPRESS SETTLEMENT                              4.13          
2-14     AMERICAN EXPRESS SETTLEMENT                              6.21          
2-14     AMERICAN EXPRESS SETTLEMENT                              6.30          
2-14     MERCHANT BNKCD DEPOSIT                                   9.48          
2-14     AMERICAN EXPRESS SETTLEMENT                             13.59          
2-14     AMERICAN EXPRESS SETTLEMENT                             19.38          
2-14     AMERICAN EXPRESS SETTLEMENT                             22.81          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                      PAGE 7 OF 13

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-14     AMERICAN EXPRESS SETTLEMENT                             24.04          
2-14     AMERICAN EXPRESS SETTLEMENT                             37.92          
2-14     AMERICAN EXPRESS SETTLEMENT                             48.95          
2-14     AMERICAN EXPRESS SETTLEMENT                             86.95          
2-14     MERCHANT BNKCD DEPOSIT                                  90.06          
2-14     AMERICAN EXPRESS SETTLEMENT                             97.90          
2-14     MERCHANT BNKCD DEPOSIT                                 103.14          
2-14     MERCHANT BNKCD DEPOSIT                                 107.86          
2-14     MERCHANT BNKCD DEPOSIT                                 112.11          
2-14     MERCHANT BNKCD DEPOSIT                                 137.84          
2-14     MERCHANT BNKCD DEPOSIT                                 145.06          
2-14     MERCHANT BNKCD DEPOSIT                                 156.13          
2-14     AMERICAN EXPRESS SETTLEMENT                            306.02          
2-15     DEPOSIT                  24                            267.85          
2-15     DEPOSIT                  22                            320.05          
2-15     DEPOSIT                  24                            483.56          
2-15     DEPOSIT                  25                            543.96          
2-15     DEPOSIT                                                657.26          
2-15     DEPOSIT                  22                            828.83          
2-15     DEPOSIT                  24                            892.67          
2-15     DEPOSIT                  22                            934.55          
2-15     DEPOSIT                  21                          1,108.49          
2-15     AMERICAN EXPRESS SETTLEMENT                              6.37          
2-15     AMERICAN EXPRESS SETTLEMENT                             11.05          
2-15     AMERICAN EXPRESS SETTLEMENT                             15.20          
2-15     AMERICAN EXPRESS SETTLEMENT                             22.79          
2-15     AMERICAN EXPRESS SETTLEMENT                             33.48          
2-15     AMERICAN EXPRESS SETTLEMENT                             42.60          
2-15     MERCHANT BNKCD DEPOSIT                                  55.40          
2-15     MERCHANT BNKCD DEPOSIT                                  92.62          
2-15     MERCHANT BNKCD DEPOSIT                                  93.18          
2-15     MERCHANT BNKCD DEPOSIT                                  93.36          
2-15     MERCHANT BNKCD DEPOSIT                                 143.27          
2-15     MERCHANT BNKCD DEPOSIT                                 170.96          
2-16     DEPOSIT                  52                            124.14          
2-16     DEPOSIT                  21                            300.08          
2-16     DEPOSIT                  52                            377.21          
2-16     DEPOSIT                  24                            383.18          
2-16     DEPOSIT                  22                            401.33          
2-16     DEPOSIT                  22                            527.27          
2-16     DEPOSIT                  26                          1,536.14          
2-16     AMERICAN EXPRESS SETTLEMENT                              2.07          
2-16     AMERICAN EXPRESS SETTLEMENT                              3.71          
2-16     AMERICAN EXPRESS SETTLEMENT                             13.54          
2-16     AMERICAN EXPRESS SETTLEMENT                             20.93          
2-16     AMERICAN EXPRESS SETTLEMENT                             37.97          
2-16     AMERICAN EXPRESS SETTLEMENT                             73.13          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                      PAGE 8 OF 13

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-16     MERCHANT BNKCD DEPOSIT                                  78.67          
2-16     MERCHANT BNKCD DEPOSIT                                 114.46          
2-16     MERCHANT BNKCD DEPOSIT                                 144.36          
2-16     MERCHANT BNKCD DEPOSIT                                 180.76          
2-16     MERCHANT BNKCD DEPOSIT                                 195.81          
2-16     MERCHANT BNKCD DEPOSIT                                 303.38          
2-16     MERCHANT BNKCD DEPOSIT                                 368.87          
2-16     MERCHANT BNKCD DEPOSIT                                 383.47          
2-17     DEPOSIT                  51                             21.05          
2-17     DEPOSIT                  23                             77.68          
2-17     DEPOSIT                  22                             90.55          
2-17     DEPOSIT                  25                             91.96          
2-17     DEPOSIT                  23                             98.62          
2-17     DEPOSIT                  21                            139.20          
2-17     DEPOSIT                  25                            155.26          
2-17     DEPOSIT                  21                            161.80          
2-17     DEPOSIT                  26                            181.03          
2-17     DEPOSIT                  22                            190.00          
2-17     DEPOSIT                  51                            198.99          
2-17     DEPOSIT                  51                            218.11          
2-17     DEPOSIT                  51                            259.02          
2-17     DEPOSIT                  51                            267.59          
2-17     DEPOSIT                  21                            297.58          
2-17     DEPOSIT                  51                            340.72          
2-17     DEPOSIT                                                378.09          
2-17     DEPOSIT                  51                            443.35          
2-17     DEPOSIT                  22                            558.32          
2-17     DEPOSIT                  52                            599.70          
2-17     DEPOSIT                  23                            691.74          
2-17     DEPOSIT                  51                            696.58          
2-17     AMERICAN EXPRESS SETTLEMENT                              2.67          
2-17     AMERICAN EXPRESS SETTLEMENT                              3.09          
2-17     AMERICAN EXPRESS SETTLEMENT                             11.24          
2-17     AMERICAN EXPRESS SETTLEMENT                             26.03          
2-17     MERCHANT BNKCD DEPOSIT                                  46.54          
2-17     MERCHANT BNKCD DEPOSIT                                  53.96          
2-17     MERCHANT BNKCD DEPOSIT                                  64.05          
2-17     MERCHANT BNKCD DEPOSIT                                  78.07          
2-17     MERCHANT BNKCD DEPOSIT                                  89.25          
2-17     MERCHANT BNKCD DEPOSIT                                 122.27          
2-17     MERCHANT BNKCD DEPOSIT                                 244.62          
2-18     DEPOSIT                  22                             71.14          
2-18     DEPOSIT                  24                            209.74          
2-18     DEPOSIT                  24                            260.25          
2-18     DEPOSIT                  22                            310.00          
2-18     DEPOSIT                  22                            405.31          
2-18     DEPOSIT                  23                            552.96          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                      PAGE 9 OF 13

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-18     DEPOSIT                  21                            646.93          
2-18     DEPOSIT                  51                            671.62          
2-18     DEPOSIT                  51                            675.84          
2-18     DEPOSIT                  24                            832.98          
2-18     DEPOSIT                  26                          1,379.77          
2-18     AMERICAN EXPRESS SETTLEMENT                              9.83          
2-18     MERCHANT BNKCD DEPOSIT                                  40.29          
2-18     MERCHANT BNKCD DEPOSIT                                  43.64          
2-18     MERCHANT BNKCD DEPOSIT                                  53.09          
2-18     MERCHANT BNKCD DEPOSIT                                  80.21          
2-18     MERCHANT BNKCD DEPOSIT                                  84.63          
2-18     MERCHANT BNKCD DEPOSIT                                 145.15          
2-18     MERCHANT BNKCD DEPOSIT                                 147.32          
2-18     MERCHANT BNKCD DEPOSIT                                 161.69          
2-22     DEPOSIT                  22                             14.25          
2-22     DEPOSIT ERROR CORRECTION INCREASE                       20.89          
2-22     DEPOSIT                  52                             22.25          
2-22     DEPOSIT                  21                             41.46          
2-22     DEPOSIT                  26                            109.02          
2-22     DEPOSIT                  51                            130.43          
2-22     DEPOSIT                  51                            132.19          
2-22     DEPOSIT                  52                            141.23          
2-22     DEPOSIT                                                156.24          
2-22     DEPOSIT                  24                            228.13          
2-22     DEPOSIT                  21                            230.56          
2-22     DEPOSIT                  23                            272.39          
2-22     DEPOSIT                  23                            359.41          
2-22     DEPOSIT                  24                            366.75          
2-22     DEPOSIT                  52                            375.81          
2-22     DEPOSIT                  51                            483.54          
2-22     DEPOSIT                  21                            505.93          
2-22     DEPOSIT                  24                            515.51          
2-22     DEPOSIT                                                540.38          
2-22     DEPOSIT                                                552.89          
2-22     DEPOSIT                  24                            563.07          
2-22     DEPOSIT                  23                            636.01          
2-22     DEPOSIT                                                661.41          
2-22     DEPOSIT                  22                            922.40          
2-22     DEPOSIT                  24                            947.54          
2-22     DEPOSIT                  26                            969.13          
2-22     DEPOSIT                                                986.91          
2-22     DEPOSIT                  26                          1,012.00          
2-22     DEPOSIT                  21                          1,050.38          
2-22     DEPOSIT                  22                          1,190.12          
2-22     DEPOSIT                  26                          1,641.88          
2-22     AMERICAN EXPRESS SETTLEMENT                              4.96          
2-22     AMERICAN EXPRESS SETTLEMENT                              6.08          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                       PAGE 10 OF 13

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-22     AMERICAN EXPRESS SETTLEMENT                              7.78          
2-22     AMERICAN EXPRESS SETTLEMENT                              9.41          
2-22     AMERICAN EXPRESS SETTLEMENT                             12.07          
2-22     AMERICAN EXPRESS SETTLEMENT                             15.03          
2-22     AMERICAN EXPRESS SETTLEMENT                             16.41          
2-22     AMERICAN EXPRESS SETTLEMENT                             20.11          
2-22     AMERICAN EXPRESS SETTLEMENT                             23.50          
2-22     AMERICAN EXPRESS SETTLEMENT                             33.02          
2-22     MERCHANT BNKCD DEPOSIT                                  37.05          
2-22     AMERICAN EXPRESS SETTLEMENT                             43.41          
2-22     MERCHANT BNKCD DEPOSIT                                  56.32          
2-22     AMERICAN EXPRESS SETTLEMENT                             59.26          
2-22     AMERICAN EXPRESS SETTLEMENT                             61.58          
2-22     MERCHANT BNKCD DEPOSIT                                  85.51          
2-22     MERCHANT BNKCD DEPOSIT                                  98.67          
2-22     MERCHANT BNKCD DEPOSIT                                 115.28          
2-22     MERCHANT BNKCD DEPOSIT                                 121.49          
2-22     MERCHANT BNKCD DEPOSIT                                 157.29          
2-22     MERCHANT BNKCD DEPOSIT                                 167.70          
2-22     MERCHANT BNKCD DEPOSIT                                 222.22          
2-23     DEPOSIT                  22                             41.07          
2-23     DEPOSIT                                                123.17          
2-23     DEPOSIT                  22                            209.52          
2-23     DEPOSIT                  21                            852.82          
2-23     DEPOSIT                  26                            890.19          
2-23     AMERICAN EXPRESS SETTLEMENT                              3.81          
2-23     AMERICAN EXPRESS SETTLEMENT                             11.72          
2-23     AMERICAN EXPRESS SETTLEMENT                             16.21          
2-23     AMERICAN EXPRESS SETTLEMENT                             25.96          
2-23     MERCHANT BNKCD DEPOSIT                                  28.24          
2-23     AMERICAN EXPRESS SETTLEMENT                             39.29          
2-23     AMERICAN EXPRESS SETTLEMENT                             57.44          
2-23     AMERICAN EXPRESS SETTLEMENT                             88.27          
2-23     MERCHANT BNKCD DEPOSIT                                  91.08          
2-23     MERCHANT BNKCD DEPOSIT                                 166.66          
2-23     MERCHANT BNKCD DEPOSIT                                 184.63          
2-23     MERCHANT BNKCD DEPOSIT                                 186.28          
2-23     MERCHANT BNKCD DEPOSIT                                 191.80          
2-23     MERCHANT BNKCD DEPOSIT                                 198.12          
2-23     AMERICAN EXPRESS SETTLEMENT                            273.55          
2-24     DEPOSIT                                                 22.48          
2-24     DEPOSIT                  23                             95.66          
2-24     DEPOSIT                                                120.21          
2-24     DEPOSIT                  23                            120.87          
2-24     DEPOSIT                  21                            150.08          
2-24     DEPOSIT                  23                            189.33          
2-24     DEPOSIT                  22                            209.36          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                       PAGE 11 OF 13

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-24     DEPOSIT                  52                            214.50          
2-24     DEPOSIT                  24                            247.22          
2-24     DEPOSIT                                                249.80          
2-24     DEPOSIT                  26                            383.05          
2-24     DEPOSIT                  52                            445.91          
2-24     DEPOSIT                  52                            590.50          
2-24     DEPOSIT                  24                            650.14          
2-24     AMERICAN EXPRESS SETTLEMENT                              4.30          
2-24     MERCHANT BNKCD DEPOSIT                                  71.59          
2-24     MERCHANT BNKCD DEPOSIT                                 145.82          
2-24     MERCHANT BNKCD DEPOSIT                                 208.95          
2-24     MERCHANT BNKCD DEPOSIT                                 247.52          
2-24     MERCHANT BNKCD DEPOSIT                                 254.43          
2-24     MERCHANT BNKCD DEPOSIT                                 300.86          
2-24     MERCHANT BNKCD DEPOSIT                                 309.29          
2-24     MERCHANT BNKCD DEPOSIT                                 524.55          
2-25     DEPOSIT                  51                             42.10          
2-25     DEPOSIT                                                 93.10          
2-25     DEPOSIT                  51                            275.20          
2-25     DEPOSIT                  24                            303.82          
2-25     DEPOSIT                  22                            435.26          
2-25     DEPOSIT                  21                            789.13          
2-25     DEPOSIT                  22                            924.38          
2-25     DEPOSIT                                              1,042.87          
2-25     DEPOSIT                  26                          1,180.03          
2-25     AMERICAN EXPRESS SETTLEMENT                             11.90          
2-25     AMERICAN EXPRESS SETTLEMENT                             14.86          
2-25     AMERICAN EXPRESS SETTLEMENT                             21.03          
2-25     MERCHANT BNKCD DEPOSIT                                  41.85          
2-25     MERCHANT BNKCD DEPOSIT                                  53.43          
2-25     MERCHANT BNKCD DEPOSIT                                  58.70          
2-25     MERCHANT BNKCD DEPOSIT                                  60.59          
2-25     MERCHANT BNKCD DEPOSIT                                  81.02          
2-25     MERCHANT BNKCD DEPOSIT                                 129.47          
2-25     MERCHANT BNKCD DEPOSIT                                 151.25          
2-25     MERCHANT BNKCD DEPOSIT                                 291.32          
2-28     DEPOSIT                  51                            136.26          
2-28     DEPOSIT                  26                            279.14          
2-28     DEPOSIT                  21                            324.74          
2-28     DEPOSIT                                                360.48          
2-28     DEPOSIT                  24                            577.67          
2-28     DEPOSIT                  25                            592.92          
2-28     DEPOSIT                                                594.70          
2-28     DEPOSIT                  51                            613.93          
2-28     DEPOSIT                  24                            713.47          
2-28     DEPOSIT                  24                            754.64          
2-28     DEPOSIT                  21                            760.36          
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                       PAGE 12 OF 13

_____________________________________________________________________________   
DEPOSITS AND OTHER ADDITIONS                                                    
DATE     DESCRIPTION                                          AMOUNT            
2-28     DEPOSIT                                                955.74          
2-28     DEPOSIT                                              1,023.98          
2-28     DEPOSIT                                              1,030.00          
2-28     DEPOSIT                                              1,171.81          
2-28     DEPOSIT                                              1,624.46          
2-28     DEPOSIT                                              1,941.52          
2-28     AMERICAN EXPRESS SETTLEMENT                              4.85          
2-28     AMERICAN EXPRESS SETTLEMENT                              5.47          
2-28     AMERICAN EXPRESS SETTLEMENT                              7.55          
2-28     AMERICAN EXPRESS SETTLEMENT                             10.18          
2-28     AMERICAN EXPRESS SETTLEMENT                             13.46          
2-28     AMERICAN EXPRESS SETTLEMENT                             17.09          
2-28     AMERICAN EXPRESS SETTLEMENT                             19.36          
2-28     AMERICAN EXPRESS SETTLEMENT                             25.74          
2-28     AMERICAN EXPRESS SETTLEMENT                             26.58          
2-28     AMERICAN EXPRESS SETTLEMENT                             46.35          
2-28     MERCHANT BNKCD DEPOSIT                                  55.02          
2-28     MERCHANT BNKCD DEPOSIT                                  66.03          
2-28     MERCHANT BNKCD DEPOSIT                                  71.25          
2-28     MERCHANT BNKCD DEPOSIT                                 109.55          
2-28     MERCHANT BNKCD DEPOSIT                                 134.78          
2-28     MERCHANT BNKCD DEPOSIT                                 148.38          
2-28     AMERICAN EXPRESS SETTLEMENT                            151.13          
2-28     MERCHANT BNKCD DEPOSIT                                 247.75          
2-29     DEPOSIT                                                 57.74          
2-29     DEPOSIT                                                170.90          
2-29     DEPOSIT                                                237.07          
2-29     DEPOSIT                                                313.73          
2-29     DEPOSIT                                                464.06          
2-29     DEPOSIT                                                608.82          
2-29     DEPOSIT                                                824.10          
2-29     DEPOSIT                                              1,009.29          
2-29     DEPOSIT                                              1,562.42          
2-29     AMERICAN EXPRESS SETTLEMENT                              8.38          
2-29     AMERICAN EXPRESS SETTLEMENT                             19.00          
2-29     AMERICAN EXPRESS SETTLEMENT                             30.67          
2-29     AMERICAN EXPRESS SETTLEMENT                             31.83          
2-29     AMERICAN EXPRESS SETTLEMENT                             33.71          
2-29     AMERICAN EXPRESS SETTLEMENT                             37.14          
2-29     MERCHANT BNKCD DEPOSIT                                  62.80          
2-29     MERCHANT BNKCD DEPOSIT                                  79.88          
2-29     MERCHANT BNKCD DEPOSIT                                  98.13          
2-29     MERCHANT BNKCD DEPOSIT                                 120.23          
2-29     MERCHANT BNKCD DEPOSIT                                 192.76          
2-29     MERCHANT BNKCD DEPOSIT                                 245.39          
2-29     MERCHANT BNKCD DEPOSIT                                 256.61          
                                                  160,150.68
                                                     CONTINUES

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                                ACCT # 000000623809811
                                 TAXPAYER ID#  731369185

NEW YORK BAGEL ENTERPRISES                                                      

                                    FEB 1 THROUGH FEB 29, 2000
                       PAGE 13 OF 13

_____________________________________________________________________________   
DAILY ENDING BALANCE                                                            
DATE              AMOUNT                     DATE            AMOUNT             
2-01              17,667.15                  2-15            16,762.71          
2-02              12,389.38                  2-16            11,628.91          
2-03              15,023.91                  2-17            10,927.64          
2-04               9,926.76                  2-18            13,010.03          
2-07              20,071.71                  2-22            23,664.29          
2-08              19,623.64                  2-23            11,798.07          
2-09              11,581.12                  2-24             7,754.49          
2-10               7,684.54                  2-25             1,055.80          
2-11               7,314.37                  2-26            15,672.14          
2-14              18,745.21                  2-28            18,336.80          
              2-29

FEES AND CHARGES.  YOUR SERVICE CHARGES, FEES AND EARNINGS CREDIT HAVE BEEN     
CALCULATED THROUGH ACCOUNT ANALYSIS                                             

BACK BY POPULAR DEMAND, THE BANK ONE EARLY MORTGAGE PAY-OFF PLAN (EMPP)         
OFFER HAS BEEN EXTENDED UNTIL APRIL 30TH.  PAY OFF YOUR HOME UP TO 10 YEARS     
EARLY.  TAKE ADVANTAGE OF THIS OUTSTANDING OFFER BY CALLING 1-800-774-5170 OR   
BY VISITING WWW.BANKONE.COM TODAY.                                              

MANAGE YOUR BUSINESS BANKING EASILY, ACCURATELY AND SECURELY WITH BANK ONE      
ONLINE.  VIEW CURRENT ACCOUNT INFORMATION, TRANSFER FUNDS AND EVEN PAY BILLS--  
ANYTIME, ANYWHERE.  SEE FOR YOURSELF JUST HOW EASY IT CAN BE.  FOR A            
DEMONSTRATION OF OUR FREE ONLINE SERVICE VISIT BANK ONE ONLINE TODAY AT         
WWW.BANKONE.COM/BUSINESS DEMO.                                                  

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.      
CASE NO.  00-10275      

CHAPTER 11      
MONTHLY REPORTING AFFIDAVIT       
FOR THE MONTH ENDING FEBRUARY 23, 2000      

NEW YORK BAGEL ENTERPRISES, INC         
RECONCILIATION OF TULSA ACCOUNT         
ACCOUNT NUMBER: 900130512               
TAX ID NUMBER 73-1369185                

FEBRUARY                                                                        

BALANCE PER G/L FEBRUARY 23, 2000                           (8,128.95)          

CREDIT CARD DISCOUNTS                             67160-031   (362.66)          
BANK SERVICE CHARGES                              67170-031    (99.53)          
BAD CHECKS                                        67250-031   (160.40)          
CREDIT CARD RECEIPTS                              12010-031 13,779.57           
MISCELLANEOUS DEPOSIT                             12000-031  2,536.84           
NORTHERN LEASING TO RECOOP                        12000-001 (1,323.19)          

CORRECTION TO DEPOSITS AND SALES                  12000-031   (577.75)          
                                        12000-031     (1.21)
                                       12000-031     27.46

DEPOSIT IN TRANSIT                                             167.80           
                                                    234.00
                                                    431.90
                                                    203.13
                                                    234.37
                                                    236.91
                                                    348.31
                                                    524.65
                                                    694.83
                                                     34.39
                                                     72.43
                                                    125.00
                                                    187.57
                                                    223.00
                                                    225.28
                                                    241.23
                                                    246.13
                                                    283.75
                                                    306.34
                                                    338.00
                                                    361.02
                                                    398.93
                                                    445.03
                                                    544.27
                                                    661.40
                                                    814.36
                                                  1,106.64
                                                     28.00
                                                     60.00
                                                    290.23
                                                    492.41
                                                    583.17
                                                    630.00
                                                    783.24
                                                    898.87

ACH IN TRANSIT                                              (1,700.00)          
                                                  (2,700.00)
                                                  (2,700.00)

ADJUSTED LEDGER BALANCE                                     12,046.77           

BALANCE PER BANK STATEMENT                                  12,046.77           

ADJUSTED BANK BALANCE                                       12,046.77           

UNRECONCILED VARIANCE                                             -             

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275    

CHAPTER 11      
MONTHLY REPORTING AFFIDAVIT     
FOR THE MONTH ENDING FEBRUARY 23, 2000      

                                  PAGE 1

                       STATEMENT DATE:   2  -  29 - 00
                   ACCOUNT NO:       900130512

                   ENCLOSURES:             211

HOME EQUITY LOANS OPEN DOORD FOR YOU.                                           
MONEY YOU CAN USE, INTEREST YOU MAY DEDUCT.                                     

NEW YORK BAGEL ENTERPRISES, INC.                                                
250 N. WATER  #300                                                              
WICHITA, KS 67202-1213                                                          

90013 051 2      COMMERCIAL CHECKING              100       

PREVIOUS BALANCE      1 - 31 - 00    7,994.95               
+DEPOSITS/CREDITS               423 81,197.60               
-CHECKS/DEBITS                   58 77,070.75               
-SERVICE CHARGE                         75.03               
+INTEREST PAID                         -                    
CURRENT BALANCE                     12,046.77               

---------------------------DAILY BALANCE SUMMARY-----------------------------   
DATE      BALANCE DATE     BALANCE  DATE     BALANCE                            
1-31     7,994.95 2-01    10,577.05 2-02     9,321.42                           
2-03     4,554.90 2-04     5,256.45 2-07     8,961.82                           
2-08     8,731.62 2-09     7,112.90 2-10     5,643.10                           
2-11     4,655.00 2-14     9,406.00 2-15     9,041.18                           
2-16     4,388.80 2-17     5,891.79 2-18     7,769.50                           
2-21    13,844.28 2-22    13,908.41 2-23     5,447.31                           
2-24     4,478.13 2-25     5,409.68 2-28    10,591.68                           
2-29    12,046.77                                                               

-----------------------------ELECTRONIC ACTIVITY-----------------------------   
DATE     TRACER   DESCRIPTION                                  AMOUNT           
2-01      20101095NOVUS SERVICES SETTLEMENT                       4.95          
2-01      20108085AMERICAN EXPRESS SETTLEMENT                     5.20          
2-01      20101208NOVUS SERVICES SETTLEMENT                       7.03          
2-01      20101157NOVUS SERVICES SETTLEMENT                       8.59          
2-01      20108074AMERICAN EXPRESS SETTLEMENT                    14.60          
2-01      20101271NOVUS SERVICES SETTLEMENT                      16.34          
2-01      20108860MERCHANT BNKCD DEPOSIT                         22.46          
2-01      20108862MERCHANT BNKCD DEPOSIT                         36.75          
2-01      20107852MERCHANT BNKCD DEPOSIT                         67.82          
2-01      20108861MERCHANT BNKCD DEPOSIT                        123.59          
2-01      20109001NORTHERN LEASING                              (80.29)         
2-01      20108005NEW YORK BAGEL ACH XFR                     (2,600.00)         
2-02      20201737NOVUS SERVICES SETTLEMENT                       8.64          
2-02      20206040AMERICAN EXPRESS SETTLEMENT                    16.50          
2-02      20202366MERCHANT BNKCD DEPOSIT                         18.17          
2-02      20206029AMERICAN EXPRESS SETTLEMENT                    20.35          
2-02      20205999AMERICAN EXPRESS SETTLEMENT                    42.22          
2-02      20202367 MERCHANT BNKCD DEPOSIT                        42.51          
2-02      20204842MERCHANT BNKCD DEPOSIT                         81.32          
2-02      20202369MERCHANT BNKCD DEPOSIT                         87.29          
2-02      20202370MERCHANT BNKCD DEPOSIT                        103.76          

CONTINUED ON NEXT PAGE                      

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                                  PAGE 2

                       STATEMENT DATE:   2  -  29 - 00
                   ACCOUNT NO:       900130512

NEW YORK BAGEL ENTERPRISES INC                                                  

2-02      20202368MERCHANT BNKCD DEPOSIT                        128.13          
2-02      20204776NEW YORK BAGEL ACH XFR                     (5,300.00)         
2-03      20301568NOVUS SERVICES SETTLEMENT                       5.67          
2-03      20306839AMERICAN EXPRESS SETTLEMENT                     7.20          
2-03      20306844AMERICAN EXPRESS SETTLEMENT                    15.96          
2-03      20308486MERCHANT BNKCD DEPOSIT                         22.89          
2-03      20308487MERCHANT BNKCD DEPOSIT                         36.10          
2-03      20307909MERCHANT BNKCD DEPOSIT                        123.88          
2-03      20301633NOVUS SERVICES SETTLEMENT                      (0.10)         
2-03      20308491MERCHANT BNKCD FEE                             (0.38)         
2-03      20301613NOVUS SERVICES SETTLEMENT                      (0.39)         
2-03      20301755NOVUS SERVICES SETTLEMENT                      (0.53)         
2-03      20308490MERCHANT BNKCD DEPOSIT                         (1.25)         
2-03      20308483MERCHANT BNKCD DISCOUNT                        (3.88)         
2-03      20308485MERCHANT BNKCD DISCOUNT                       (11.97)         
2-03      20308482MERCHANT BNKCD INTERCHNG                      (12.81)         
2-03      20308484MERCHANT BNKCD DISCOUNT                       (29.96)         
2-03      20303936NORTHERN LEASING                              (31.69)         
2-03      20303935NORTHERN LEASING                              (32.04)         
2-03      20303938NORTHERN LEASING                              (32.18)         
2-03      20303939NORTHERN LEASING                              (32.18)         
2-03      20303940NORTHERN LEASING                              (32.18)         
2-03      20303941NORTHERN LEASING                              (32.18)         
2-03      20303942NORTHERN LEASING                              (32.18)         
2-03      20303944NORTHERN LEASING                              (32.18)         
2-03      20303945NORTHERN LEASING                              (32.18)         
2-03      20308488MERCHANT BNKCD DEPOSIT                        (52.47)         
2-03      20303937NORTHERN LEASING                              (60.14)         
2-03      20308320NORTHERN LEASING                              (80.02)         
2-03      20308489MERCHANT BNKCD DEPOSIT                        (91.75)         
2-03      20303934NORTHERN LEASING                             (145.92)         
2-03      20303943NORTHERN LEASING                             (174.51)         
2-03      20306787NEW YORK BAGEL ACH XFR                     (5,800.00)         
2-04      20403617AMERICAN EXPRESS SETTLEMENT                     6.95          
2-04      20400334NOVUS SERVICES SETTLEMENT                       7.31          
2-04      20403619AMERICAN EXPRESS SETTLEMENT                     7.56          
2-04      20403646AMERICAN EXPRESS SETTLEMENT                     9.79          
2-04      20403638AMERICAN EXPRESS SETTLEMENT                    31.00          
2-04      20403312MERCHANT BNKCD DEPOSIT                         50.73          
2-04      20403313MERCHANT BNKCD DEPOSIT                        102.83          
2-04      20403315MERCHANT BNKCD DEPOSIT                        132.92          
2-04      20402360MERCHANT BNKCD DEPOSIT                        137.47          
2-04      20403314MERCHANT BNKCD DEPOSIT                        199.13          
2-04      20403316MERCHANT BNKCD FEE                             (1.25)         
2-04      20402385MERCHANT BNKCD FEE                             (6.35)         
2-04      20402320MERCHANT BNKCD INTERCHNG                      (21.91)         
2-04      20402343MERCHANT BNKCD DISCOUNT                       (95.92)         
2-04      20403317NEW YORK BAGEL ACH XFR                     (2,700.00)         
2-07      20703642AMERICAN EXPRESS SETTLEMENT                     2.38          
2-07      20704903AMERICAN EXPRESS SETTLEMENT                     6.95          
2-07      20703625AMERICAN EXPRESS SETTLEMENT                    13.03          
2-07      20704892AMERICAN EXPRESS SETTLEMENT                    23.75          
2-07      20703580AMERICAN EXPRESS SETTLEMENT                    24.73          
2-07      20704819AMERICAN EXPRESS SETTLEMENT                    40.25          
2-07      20703500MERCHANT BNKCD DEPOSIT                         51.03          
2-07      20704424MERCHANT BNKCD DEPOSIT                         53.74          
2-07      20703498MERCHANT BNKCD DEPOSIT                         57.55          
2-07      20703501MERCHANT BNKCD DEPOSIT                         92.79          
2-07      20704871AMERICAN EXPRESS SETTLEMENT                    95.63          
2-07      20705199MERCHANT BNKCD DEPOSIT                         98.36          
2-07      20703499MERCHANT BNKCD DEPOSIT                        119.80          
2-07      20704873AMERICAN EXPRESS SETTLEMENT                   129.68          
2-07      20705182MERCHANT BNKCD DEPOSIT                        167.05          
2-07      20704732NEW YORK BAGEL ACH XFR                     (2,400.00)         
2-08      20800230NOVUS SERVICES SETTLEMENT                       7.06          
2-08      20803005AMERICAN EXPRESS SETTLEMENT                     9.79          
2-08      20800289NOVUS SERVICES SETTLEMENT                      12.45          
2-08      20803052AMERICAN EXPRESS SETTLEMENT                    17.24          

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                                  PAGE 3

                       STATEMENT DATE:   2  -  29 - 00
                   ACCOUNT NO:       900130512

NEW YORK BAGEL ENTERPRISES INC                                                  

2-08      20803040AMERICAN EXPRESS SETTLEMENT                    20.82          
2-08      20803039AMERICAN EXPRESS SETTLEMENT                    37.42          
2-08      20802601MERCHANT BNKCD DEPOSIT                         48.30          
2-08      20802603MERCHANT BNKCD DEPOSIT                         53.15          
2-08      20803150MERCHANT BNKCD DEPOSIT                         57.42          
2-08      20802604MERCHANT BNKCD DEPOSIT                        162.45          
2-08      20802602MERCHANT BNKCD DEPOSIT                        216.11          
2-08      20804111NEW YORK BAGEL ACH XFR                     (3,700.00)         
2-09      20903310AMERICAN EXPRESS SETTLEMENT                    20.73          
2-09      20903523MERCHANT BNKCD DEPOSIT                         22.82          
2-09      20903522MERCHANT BNKCD DEPOSIT                         33.42          
2-09      20903524MERCHANT BNKCD DEPOSIT                         44.13          
2-09      20903566MERCHANT BNKCD DEPOSIT                         98.06          
2-09      20903526MERCHANT BNKCD DEPOSIT                        121.42          
2-09      20903525MERCHANT BNKCD DEPOSIT                        170.14          
2-09      20903527MERCHANT BNKCD DEPOSIT                        237.79          
2-09      20903983NEW YORK BAGEL ACH XFR                     (5,200.00)         
2-10      21000099NOVUS SERVICES SETTLEMENT                       4.31          
2-10      21004946AMERICAN EXPRESS SETTLEMENT                     7.56          
2-10      21004627MERCHANT BNKCD DEPOSIT                         21.48          
2-10      21004628MERCHANT BNKCD DEPOSIT                         38.87          
2-10      21004970AMERICAN EXPRESS SETTLEMENT                    42.77          
2-10      21004630MERCHANT BNKCD DEPOSIT                         74.35          
2-10      21004631MERCHANT BNKCD DEPOSIT                         95.26          
2-10      21005438MERCHANT BNKCD DEPOSIT                        116.34          
2-10      21004629MERCHANT BNKCD DEPOSIT                        149.09          
2-10      21005855NEW YORK BAGEL ACH XFR                     (3,500.00)         
2-11      21102468AMERICAN EXPRESS SETTLEMENT                    12.48          
2-11      21102458AMERICAN EXPRESS SETTLEMENT                    13.48          
2-11      21102400AMERICAN EXPRESS SETTLEMENT                    13.97          
2-11      21101973MERCHANT BNKCD DEPOSIT                         14.17          
2-11      21101974MERCHANT BNKCD DEPOSIT                         34.68          
2-11      21102441AMERICAN EXPRESS SETTLEMENT                    53.06          
2-11      21101975MERCHANT BNKCD DEPOSIT                         93.53          
2-11      21102551MERCHANT BNKCD DEPOSIT                        101.43          
2-11      21103008NEW YORK BAGEL ACH XFR                     (3,600.00)         
2-14      21406587AMERICAN EXPRESS SETTLEMENT                    15.18          
2-14      21405786AMERICAN EXPRESS SETTLEMENT                    16.97          
2-14      21405768AMERICAN EXPRESS SETTLEMENT                    26.37          
2-14      21403088MERCHANT BNKCD DEPOSIT                         36.51          
2-14      21406572AMERICAN EXPRESS SETTLEMENT                    60.94          
2-14      21406571AMERICAN EXPRESS SETTLEMENT                    79.34          
2-14      21404523MERCHANT BNKCD DEPOSIT                         80.04          
2-14      21405745AMERICAN EXPRESS SETTLEMENT                    86.35          
2-14      21404541MERCHANT BNKCD DEPOSIT                         96.75          
2-14      21403087MERCHANT BNKCD DEPOSIT                        102.98          
2-14      21403085MERCHANT BNKCD DEPOSIT                        105.77          
2-14      21403086MERCHANT BNKCD DEPOSIT                        106.22          
2-14      21405747AMERICAN EXPRESS SETTLEMENT                   109.41          
2-14      21404731MERCHANT BNKCD DEPOSIT                        114.89          
2-14      21405694AMERICAN EXPRESS SETTLEMENT                   132.63          
2-14      21404435NORTHERN LEASING                              (76.57)         
2-14      21404614NEW YORK BAGEL ACH XFR                     (2,000.00)         
2-15      21502645NOVUS SERVICES SETTLEMENT                       4.31          
2-15      21506385AMERICAN EXPRESS SETTLEMENT                    10.84          
2-15      21506374AMERICAN EXPRESS SETTLEMENT                    17.46          
2-15      21506361AMERICAN EXPRESS SETTLEMENT                    24.68          
2-15      21506322AMERICAN EXPRESS SETTLEMENT                    28.26          
2-15      21505468MERCHANT BNKCD DEPOSIT                         35.03          
2-15      21505067MERCHANT BNKCD DEPOSIT                         89.40          
2-15      21505469MERCHANT BNKCD DEPOSIT                         90.02          
2-15      21505470MERCHANT BNKCD DEPOSIT                        163.14          
2-15      21505350NORTHERN LEASING                              (31.54)         
2-15      21505349NORTHERN LEASING                              (31.57)         
2-15      21505217NEW YORK BAGEL ACH XFR                     (2,600.00)         
2-16      21602546AMERICAN EXPRESS SETTLEMENT                     8.08          
2-16      21601018NOVUS SERVICES SETTLEMENT                       8.96          
2-16      21602556AMERICAN EXPRESS SETTLEMENT                    22.84          

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                                  PAGE 4

                       STATEMENT DATE:   2  -  29 - 00
                   ACCOUNT NO:       900130512

NEW YORK BAGEL ENTERPRISES INC                                                  

2-16      21602504AMERICAN EXPRESS SETTLEMENT                    25.00          
2-16      21604053MERCHANT BNKCD DEPOSIT                         25.12          
2-16      21604054MERCHANT BNKCD DEPOSIT                         31.47          
2-16      21602533AMERICAN EXPRESS SETTLEMENT                    34.51          
2-16      21605828MERCHANT BNKCD DEPOSIT                         51.68          
2-16      21604055MERCHANT BNKCD DEPOSIT                         62.86          
2-16      21604057MERCHANT BNKCD DEPOSIT                        139.55          
2-16      21604056MERCHANT BNKCD DEPOSIT                        213.50          
2-16      21604058MERCHANT BNKCD DEPOSIT                        249.77          
2-16      21605918NEW YORK BAGEL ACH XFR                     (6,800.00)         
2-17      21701042NOVUS SERVICES SETTLEMENT                       4.31          
2-17      21701040NOVUS SERVICES SETTLEMENT                       5.60          
2-17      21705585AMERICAN EXPRESS SETTLEMENT                    12.55          
2-17      21705559AMERICAN EXPRESS SETTLEMENT                    12.94          
2-17      21705602AMERICAN EXPRESS SETTLEMENT                    23.42          
2-17      21704944MERCHANT BNKCD DEPOSIT                         43.52          
2-17      21704943MERCHANT BNKCD DEPOSIT                         62.02          
2-17      21704942MERCHANT BNKCD DEPOSIT                        109.96          
2-17      21704228MERCHANT BNKCD DEPOSIT                        147.54          
2-17      21707178NORTHERN LEASING                              (31.54)         
2-17      21704133NEW YORK BAGEL ACH XFR                     (2,200.00)         
2-18      21803676AMERICAN EXPRESS SETTLEMENT                     6.23          
2-18      21803640AMERICAN EXPRESS SETTLEMENT                    12.48          
2-18      21803692AMERICAN EXPRESS SETTLEMENT                    15.95          
2-18      21803290MERCHANT BNKCD DEPOSIT                         44.95          
2-18      21803677AMERICAN EXPRESS SETTLEMENT                    70.31          
2-18      21803291MERCHANT BNKCD DEPOSIT                         86.92          
2-18      21803289MERCHANT BNKCD DEPOSIT                        108.35          
2-18      21803997MERCHANT BNKCD DEPOSIT                        141.61          
2-18      21802922NEW YORK BAGEL ACH XFR                     (2,100.00)         
2-22      22200535AMERICAN EXPRESS SETTLEMENT                     5.24          
2-22      22101633NOVUS SERVICES SETTLEMENT                       9.55          
2-22      22201817AMERICAN EXPRESS SETTLEMENT                    18.88          
2-22      22201854AMERICAN EXPRESS SETTLEMENT                    24.01          
2-22      22201746MERCHANT BNKCD DEPOSIT                         39.10          
2-22      22101564NOVUS SERVICES SETTLEMENT                      48.55          
2-22      22200552AMERICAN EXPRESS SETTLEMENT                    50.31          
2-22      22200453AMERICAN EXPRESS SETTLEMENT                    56.55          
2-22      22200753MERCHANT BNKCD DEPOSIT                         79.54          
2-22      22201869AMERICAN EXPRESS SETTLEMENT                    80.01          
2-22      22200766MERCHANT BNKCD DEPOSIT                         86.04          
2-22      22201852AMERICAN EXPRESS SETTLEMENT                    93.30          
2-22      22202492MERCHANT BNKCD DEPOSIT                        106.68          
2-22      22201744MERCHANT BNKCD DEPOSIT                        125.14          
2-22      22201745MERCHANT BNKCD DEPOSIT                        125.98          
2-22      22201743MERCHANT BNKCD DEPOSIT                        141.88          
2-22      22200511AMERICAN EXPRESS SETTLEMENT                   160.77          
2-22      22200784MERCHANT BNKCD DEPOSIT                        171.51          
2-22      22200509AMERICAN EXPRESS SETTLEMENT                   183.64          
2-22      22200769MERCHANT BNKCD DEPOSIT                        (25.00)         
2-22      22202233NEW YORK BAGEL ACH XFR                     (3,700.00)         
2-23      22302338NOVUS SERVICES SETTLEMENT                       2.56          
2-23      22302483NOVUS SERVICES SETTLEMENT                       4.82          
2-23      22302405NOVUS SERVICES SETTLEMENT                       9.07          
2-23      22303988AMERICAN EXPRESS SETTLEMENT                    14.20          
2-23      22303967AMERICAN EXPRESS SETTLEMENT                    21.85          
2-23      22304002AMERICAN EXPRESS SETTLEMENT                    26.67          
2-23      22303913AMERICAN EXPRESS SETTLEMENT                    29.05          
2-23      22303122MERCHANT BNKCD DEPOSIT                         55.50          
2-23      22303121MERCHANT BNKCD DEPOSIT                         60.01          
2-23      22303965AMERICAN EXPRESS SETTLEMENT                    64.20          
2-23      22304418MERCHANT BNKCD DEPOSIT                         71.96          
2-23      22303120MERCHANT BNKCD DEPOSIT                         74.22          
2-23      22304314NORTHERN LEASING                             (220.20)         
2-23      22303247NEW YORK BAGEL ACH XFR                    (10,200.00)         
2-24      22405259MERCHANT BNKCD DEPOSIT                         40.36          
2-24      22405258MERCHANT BNKCD DEPOSIT                         47.02          
2-24      22405256MERCHANT BNKCD DEPOSIT                         59.81          

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                                  PAGE 5

                       STATEMENT DATE:   2  -  29 - 00
                   ACCOUNT NO:       900130512

NEW YORK BAGEL ENTERPRISES INC                                                  

2-24      22405257AMERICAN EXPRESS SETTLEMENT                    69.00          
2-24      22405261MERCHANT BNKCD DEPOSIT                         70.79          
2-24      22406680MERCHANT BNKCD DEPOSIT                        142.79          
2-24      22405260AMERICAN EXPRESS SETTLEMENT                   385.05          
2-24      22405262MERCHANT BNKCD DEPOSIT                        299.03          
2-24      22402459MERCHANT BNKCD DEPOSIT                        (24.50)         
2-24      22404788MERCHANT BNKCD DEPOSIT                     (3,700.00)         
2-25      22503467MERCHANT BNKCD DEPOSIT                          3.20          
2-25      22503459MERCHANT BNKCD DEPOSIT                          3.69          
2-25      22500344NEW YORK BAGEL ACH XFR                          9.52          
2-25      22503362NOVUS SERVICES SETTLEMENT                      45.25          
2-25      22503361NOVUS SERVICES SETTLEMENT                     106.73          
2-25      22503360AMERICAN EXPRESS SETTLEMENT                   108.90          
2-25      22504162AMERICAN EXPRESS SETTLEMENT                   112.06          
2-25      22503366AMERICAN EXPRESS SETTLEMENT                (1,700.00)         
2-28      22805928MERCHANT BNKCD DEPOSIT                          4.96          
2-28      22804539MERCHANT BNKCD DEPOSIT                          8.45          
2-28      22805906MERCHANT BNKCD DEPOSIT                         13.05          
2-28      22805938MERCHANT BNKCD DEPOSIT                         16.67          
2-28      22804557NORTHERN LEASING                               22.62          
2-28      22805864NEW YORK BAGEL ACH XFR                         35.32          
2-28      22805172AMERICAN EXPRESS SETTLEMENT                    50.89          
2-28      22805905AMERICAN EXPRESS SETTLEMENT                    51.57          
2-28      22804467AMERICAN EXPRESS SETTLEMENT                    58.84          
2-28      22805169MERCHANT BNKCD DEPOSIT                         61.21          
2-28      22804514AMERICAN EXPRESS SETTLEMENT                    68.18          
2-28      22805171MERCHANT BNKCD DEPOSIT                         79.46          
2-28      22805170MERCHANT BNKCD DEPOSIT                         87.55          
2-28      22807356MERCHANT BNKCD DEPOSIT                        104.26          
2-28      22807374NEW YORK BAGEL ACH XFR                        137.57          
2-28      22806354AMERICAN EXPRESS SETTLEMENT                   139.43          
2-28      22804515NOVUS SERVICES SETTLEMENT                     301.24          
2-28      22804215AMERICAN EXPRESS SETTLEMENT                  (262.30)         
2-28      22807207AMERICAN EXPRESS SETTLEMENT                (2,700.00)         
2-29      22903108MERCHANT BNKCD DEPOSIT                          4.93          
2-29      22904839NOVUS SERVICES SETTLEMENT                       7.93          
2-29      22904884AMERICAN EXPRESS SETTLEMENT                    19.06          
2-29      22904882AMERICAN EXPRESS SETTLEMENT                    26.92          
2-29      22904994MERCHANT BNKCD DEPOSIT                         43.23          
2-29      22903783AMERICAN EXPRESS SETTLEMENT                    58.08          
2-29      22903785MERCHANT BNKCD DEPOSIT                         63.00          
2-29      22903784AMERICAN EXPRESS SETTLEMENT                   122.79          
2-29      22903782MERCHANT BNKCD DEPOSIT                        125.00          
2-29      22903786MERCHANT BNKCD DEPOSIT                         (6.74)         
2-29      22904095MERCHANT BNKCD DEPOSIT                     (2,700.00)         

--------------------------DESCRIPTIVE TRANSACTIONS---------------------------   
DATE     SERIAL NODESCRIPTION                                   AMOUNT          
      34         DEPOSIT                               75.00
                 DEPOSIT                              126.87
      36         DEPOSIT                              188.96
      35         DEPOSIT                              290.99
                 DEPOSIT                              320.24
                 DEPOSIT                              404.93
      36         DEPOSIT                              616.51
      35         DEPOSIT                              623.41
      35         DEPOSIT                              625.94
      34         DEPOSIT                              826.44
      35         DEPOSIT                              855.77
      34         DEPOSIT                               25.00
                 DEPOSIT                               30.24
      36         DEPOSIT                               75.00
                 DEPOSIT                              198.68
      36         DEPOSIT                              243.00
                 DEPOSIT                              310.89
                 DEPOSIT                              543.68
                 DEPOSIT                              659.85
      34         DEPOSIT                              695.11

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                                  PAGE 6

                       STATEMENT DATE:   2  -  29 - 00
                   ACCOUNT NO:       900130512

NEW YORK BAGEL ENTERPRISES INC                                                  

2-02                     36DEPOSIT                              714.03          
2-03                     35DEPOSIT                               26.75          
2-03                     34DEPOSIT                               38.59          
2-03                       DEPOSIT                               69.41          
2-03                       DEPOSIT                               99.00          
2-03                     36DEPOSIT                              253.82          
2-03                       DEPOSIT                              368.64          
2-03                     34DEPOSIT                              409.66          
2-03                     35DEPOSIT                              510.98          
2-04                     34DEPOSIT                               17.00          
2-04                     36DEPOSIT                               54.01          
2-04                     36DEPOSIT                              168.30          
2-04                       DEPOSIT                              177.52          
2-04                       DEPOSIT                              260.27          
2-04                       DEPOSIT                              408.92          
2-04                     34DEPOSIT                              616.02          
2-04                     36DEPOSIT                            1,139.25          
2-04                     35DEPOSIT                               20.10          
2-07                     35DEPOSIT                               39.58          
2-07                     34DEPOSIT                               51.00          
2-07                     35DEPOSIT                               65.00          
2-07                     36DEPOSIT                              138.51          
2-07                     36DEPOSIT                              149.95          
2-07                       DEPOSIT                              165.49          
2-07                     35DEPOSIT                              169.46          
2-07                       DEPOSIT                              266.46          
2-07                       DEPOSIT                              317.00          
2-07                     34DEPOSIT                              401.82          
2-07                     35DEPOSIT                              583.10          
2-07                       DEPOSIT                              764.71          
2-07                     36DEPOSIT                              890.37          
2-07                       DEPOSIT                            1,106.10          
2-08                       DEPOSIT                               11.85          
2-08                       DEPOSIT                               28.67          
2-08                       DEPOSIT                               30.24          
2-08                     34DEPOSIT                              102.00          
2-08                       DEPOSIT                              131.10          
2-08                     36DEPOSIT                              218.00          
2-08                       DEPOSIT                              461.24          
2-08                     34DEPOSIT                              543.11          
2-08                     36DEPOSIT                              560.85          
2-08                       DEPOSIT                              740.53          
2-09                     36DEPOSIT                               13.93          
2-09                     34DEPOSIT                              175.00          
2-09                       DEPOSIT                              292.71          
2-09                       DEPOSIT                              295.80          
2-09                       DEPOSIT                              430.86          
2-09                     36DEPOSIT                              468.22          
2-09                       DEPOSIT                              545.01          
2-09                     34DEPOSIT                              611.24          
2-10                     35DEPOSIT                                3.43          
2-10                     34DEPOSIT                               36.00          
2-10                     35DEPOSIT                               42.74          
2-10                       DEPOSIT                               44.80          
2-10                     35DEPOSIT                               66.07          
2-10                       DEPOSIT                              100.00          
2-10                     36DEPOSIT                              105.68          
2-10                     36DEPOSIT                              145.54          
2-10                     36DEPOSIT                              150.00          
2-10                     34DEPOSIT                              232.07          
2-10                       DEPOSIT                              553.84          
2-11                     34DEPOSIT                               59.08          
2-11                     36DEPOSIT                               75.00          
2-11                       DEPOSIT                              109.81          
2-11                     36DEPOSIT                              127.49          
2-11                       DEPOSIT                              358.00          
2-11                     36DEPOSIT                              754.04          
2-11                       DEPOSIT                              791.68          

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                                  PAGE 7

                       STATEMENT DATE:   2  -  29 - 00
                   ACCOUNT NO:       900130512

NEW YORK BAGEL ENTERPRISES INC                                                  

2-14                     35DEPOSIT                               12.44          
2-14                     35DEPOSIT                               35.08          
2-14                     35DEPOSIT                               39.97          
2-14                     35DEPOSIT                               55.09          
2-14                     36DEPOSIT                               83.17          
2-14                       DEPOSIT                               85.00          
2-14                     36DEPOSIT                              136.00          
2-14                     34DEPOSIT                              136.00          
2-14                       DEPOSIT                              191.74          
2-14                     36DEPOSIT                              288.00          
2-14                       DEPOSIT                              300.57          
2-14                       DEPOSIT                              354.46          
2-14                     36DEPOSIT                              363.19          
2-14                     36DEPOSIT                              387.90          
2-14                       DEPOSIT                              421.70          
2-14                       DEPOSIT                              535.64          
2-14                     34DEPOSIT                              582.69          
2-14                     36DEPOSIT                              815.55          
2-14                       DEPOSIT                              833.03          
2-15                     34DEPOSIT                               70.00          
2-15                       DEPOSIT                              305.21          
2-15                     36DEPOSIT                              720.83          
2-15                     34DEPOSIT                              739.11          
2-16                       DEPOSIT                               14.51          
2-16                     34DEPOSIT                               59.82          
2-16                       DEPOSIT                              138.82          
2-16                       DEPOSIT                              182.93          
2-16                     36DEPOSIT                              267.67          
2-16                     34DEPOSIT                              610.53          
2-17                     35DEPOSIT                               31.83          
2-17                     34DEPOSIT                               32.00          
2-17                     35DEPOSIT                               70.99          
2-17                     36DEPOSIT                               87.30          
2-17                       DEPOSIT                              153.02          
2-17                       DEPOSIT                              176.00          
2-17                       DEPOSIT                              187.58          
2-17                       DEPOSIT                              421.57          
2-17                       DEPOSIT                              472.28          
2-17                     36DEPOSIT                              693.94          
2-17                     34DEPOSIT                              986.16          
2-18                       DEPOSIT                               20.83          
2-18                       DEPOSIT                               43.16          
2-18                       DEPOSIT                               60.48          
2-18                       DEPOSIT                               92.58          
2-18                       DEPOSIT                              137.73          
2-18                     36DEPOSIT                              139.79          
2-18                       DEPOSIT                              709.04          
2-18                     36DEPOSIT                              766.88          
2-18                       DEPOSIT                            1,520.42          
2-21                       DEPOSIT                                9.00          
2-21                     35DEPOSIT                               43.78          
2-21                     34DEPOSIT                               97.00          
2-21                     35DEPOSIT                               99.82          
2-21                     36DEPOSIT                              125.00          
2-21                       DEPOSIT                              125.00          
2-21                       DEPOSIT                              147.86          
2-21                     36DEPOSIT                              201.00          
2-21                     36DEPOSIT                              223.31          
2-21                       DEPOSIT                              226.54          
2-21                       DEPOSIT                              244.46          
2-21                     36DEPOSIT                              265.78          
2-21                     36DEPOSIT                              286.00          
2-21                     36DEPOSIT                              455.00          
2-21                     35DEPOSIT                              471.08          
2-21                     34DEPOSIT                              475.00          
2-21                       DEPOSIT                              516.26          
2-21                       DEPOSIT                              543.32          
2-21                     36DEPOSIT                              733.05          

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                                  PAGE 7

                       STATEMENT DATE:   2  -  29 - 00
                   ACCOUNT NO:       900130512

NEW YORK BAGEL ENTERPRISES INC                                                  

2-21                     35DEPOSIT                              786.52          
2-22                     34DEPOSIT                               61.00          
2-22                       DEPOSIT                              130.66          
2-22                     36DEPOSIT                              172.23          
2-22                       DEPOSIT                              573.10          
2-22                     34DEPOSIT                              620.00          
2-22                     36DEPOSIT                              625.46          
2-23                     36DEPOSIT                              162.39          
2-23                     34DEPOSIT                              193.33          
2-23                     34DEPOSIT                              474.68          
2-23                       DEPOSIT                              694.59          
2-24                       DEPOSIT                               33.00          
2-24                     36DEPOSIT                               51.18          
2-24                     36DEPOSIT                               57.60          
2-24                       DEPOSIT                               74.99          
2-24                       DEPOSIT                              141.00          
2-24                       DEPOSIT                              167.80          
2-24                       DEPOSIT                              234.00          
2-24                       DEPOSIT                              350.00          
2-24                       DEPOSIT                              431.90          
2-25                     34DEPOSIT                              203.13          
2-25                       DEPOSIT                              234.37          
2-25                     36DEPOSIT                              236.91          
2-25                     36DEPOSIT                              348.31          
2-25                       DEPOSIT                              524.65          
2-25                     34DEPOSIT                              694.83          
2-28                     36DEPOSIT                               34.39          
2-28                     36DEPOSIT                               51.21          
2-28                     36DEPOSIT                               60.92          
2-28                     36DEPOSIT                               72.43          
2-28                     36DEPOSIT                              125.00          
2-28                     36DEPOSIT                              176.13          
2-28                       DEPOSIT                              187.57          
2-28                       DEPOSIT                              223.00          
2-28                     36DEPOSIT                              225.28          
2-28                       DEPOSIT                              241.23          
2-28                       DEPOSIT                              246.13          
2-28                       DEPOSIT                              283.75          
2-28                     36DEPOSIT                              360.34          
2-28                     36DEPOSIT                              338.00          
2-28                       DEPOSIT                              361.02          
2-28                       DEPOSIT                              398.93          
2-28                       DEPOSIT                              445.03          
2-28                     36DEPOSIT                              544.27          
2-28                     36DEPOSIT                              661.40          
2-28                     34DEPOSIT                              814.36          
2-28                     36DEPOSIT                            1,106.64          
2-29                     36DEPOSIT                               28.00          
2-29                     34DEPOSIT                               60.00          
2-29                     36DEPOSIT                              290.23          
2-29                     36DEPOSIT                              492.41          
2-29                     36DEPOSIT                              583.17          
2-29                       DEPOSIT                              630.00          
2-29                     36DEPOSIT                              783.24          
2-29                     34DEPOSIT                              898.87          
2-29                       SERVICE CHARGE                       (75.03)         

END OF STATEMENT                            

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.      
CASE NO.  00-10275      

CHAPTER 11        
MONTHLY REPORTING AFFIDAVIT         
FOR THE MONTH ENDING FEBRUARY 23, 2000        

NEW YORK BAGEL ENTERPRISES, INC         
RECONCILIATION OF WICHITA ACCOUNT       
ACCOUNT NUMBER: 0000425699              
TAX ID NUMBER 73-1369185                

FEBRUARY                                                                        

BALANCE PER G/L FEBRUARY 23, 2000                          (26,683.55)          

CREDIT CARD DISCOUNTS                             67160-041   (296.00)          
BANK SERVICE CHARGES                              67170-041    (97.32)          
BAD CHECKS                                        67250-041    (36.19)          
CREDIT CARD RECEIPTS                              12010-041  7,160.59           

SALES TO BE RECORDED                                         7,564.81           
                                                 18,251.55

DEPOSITS IN TRANSIT                                          1,269.31           
                                                    300.00
                                                  1,019.04
                                                    777.15
                                                    746.23
                                                    241.35

MISCELLANEOUS DEPOSITS TO RECORD                               181.87           
                                                      5.00
                                                    169.23
                                                     75.00

ACH IN TRANSIT                                              (1,500.00)          
                                                  (2,200.00)
                                                  (3,600.00)

ADJUSTED LEDGER BALANCE                                      3,348.07           

BALANCE PER BANK STATEMENT                                   3,348.07           

ADJUSTED BANK BALANCE                                        3,348.07           

UNRECONCILED VARIANCE                                             -             

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CASE NAME:  NEW YORK BAGEL ENTERPRISES, INC.    
CASE NO.  00-10275      

CHAPTER 11      
MONTHLY REPORTING AFFIDAVIT       
FOR THE MONTH ENDING FEBRUARY 23, 2000        

DIRECT INQUIRIES TO:                                                            
316-383-1254                                                                    
[INTRUST BANK LOGO]       

INTRUST BANK, N.A.                                                              
P.O. BOX 1                                                                      
WICHITA KS 67201-5001                                                           

NEW YORK BAGEL ENTERPRISES                            FEBRUARY 29, 2000         
115 E 8TH ST                                                       (81)         
STILLWATER OK 74074                                   PAGE 1 OF 11              

STATEMENT OF ACCOUNT                                          
0000425699                                                  

LET INTRUST BANK ONLINE MAKE IT EASY TO FILE YOUR TAXES WITH
QUICKEN TURBO TAX FOR THE WEB, THE FAST, EASY AND SECURE WAY
     TO PREPARE AND FILE YOUR TAXES.  VISIT WWW.INTRUSTBANK.COM TODAY!

BUSINESS CHECKING ACCOUNT 0000425699                                            
_____________________________________________________________________________   

LOW BALANCE                 804.53                                              
AVERAGE BALANCE            5,215.22  AVG COLLECTED BALANCE      4,880.00        
                         81 ENCLOSURES

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  
1-31     BEGINNING BALANCE                            7,646.26                  
2-01     DEPOSIT           1,108.51                   8,754.77                  
2-01     DEPOSIT           1,017.68                   9,772.45                  
2-01     DEPOSIT            666.29                   10,438.74                  
2-01     DEPOSIT              5.00                   10,443.74                  
2-01     PREAUTHORIZED CR   169.23                   10,612.97                  
MERCHANT BNKCD                                                
000201 164024500997                                           
2-01     PREAUTHORIZED CR    47.80                   10,660.77                  
MERCHANT BNKCD                                                
000201 164024531992                                           
2-01     PREAUTHORIZED CR    32.16                   10,692.93                  
MERCHANT BNKCD                                                
000201 1152400917                                             
2-01     PREAUTHORIZED WD           (2,800.00)        7,892.93                  
NEW YORK BAGEL ACH XFER                                       
000201                                                        
2-02     PREAUTHORIZED CR   238.50                    8,131.43                  
MERCHANT BNKCD                                                
000202 164024532990                                           

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STATEMENT OF ACCOUNT                                                            
0000425699                                    [INTRUST BANK LOGO]               
NEW YORK BAGEL ENTERPRISES                                                      
PAGE 2 OF 11                                                                    

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  

2-02     PREAUTHORIZED CR   105.89                    8,237.32                  
MERCHANT BNKCD                                                
000202 164024500997                                         
2-02      PREAUTHORIZED CR  105.18                    8,342.50                  
MERCHANT BNKCD                                              
000202 164024531992                                         
2-02      PREAUTHORIZED CR  103.81                    8,446.31                  
MERCHANT BNKCD                                              
000202 164024500997                                         
2-02     PREAUTHORIZED CR     8.05                    8,454.36                  
AMERICAN EXPRESS                                              
000202 1152400925                                             
2-02     PREAUTHORIZED WD           (3,300.00)        5,154.36                  
NEW YORK BAGEL ACH XFER                                       
000202                                                        
2-03     DEPOSIT            718.80                    5,873.16                  
2-03     DEPOSIT            233.88                    6,107.04                  
2-03     DEPOSIT            143.40                    6,250.44                  
2-03     DEPOSIT            132.28                    6,382.72                  
2-03     DEPOSIT             90.84                    6,473.56                  
2-03     DEPOSIT             83.09                    6,556.65                  
2-03     DEPOSIT             70.47                    6,627.12                  
2-03     DEPOSIT             59.13                    6,686.25                  
2-03     DEPOSIT             51.74                    6,737.99                  
2-03     PREAUTHORIZED CR   110.51                    6,848.50                  
MERCHANT BNKCD                                                
000203 164024500997                                           
2-03     PREAUTHORIZED CR    28.94                    6,895.21                  
MERCHANT BNKCD                                                
000203 164024531992                                           
2-03     PREAUTHORIZED CR    17.77                    6,895.21                  
MERCHANT BNKCD                                                
AMERICAN EXPRESS                                              
000203 1152400917                                             
2-03     CHECK                        (4.85)          6,900.08                  
2-03     PREAUTHORIZED WD         (4,500.00)          6,895.23                  
NEW YORK BAGEL ACH XFER                      2,395.23         
000203                                                        
2-03     PREAUTHORIZED WD            (63.84)          2,331.39                  
MERCHANT BNKCD DISCOUNT                                       
000203 164024532990                                           
2-03     PREAUTHORIZED WD            (59.75)          2,271.64                  
MERCHANT BNKCD DISCOUNT                                       
000203 164024500997                                           
2-03     PREAUTHORIZED WD            (44.33)          2,227.31                  
MERCHANT BNKCD DISCOUNT                                       
000203 164024500997                                           
2-03     PREAUTHORIZED WD            (43.27)          2,184.04                  
MERCHANT BNKCD DISCOUNT                                       
000203 164024531992                                           

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STATEMENT OF ACCOUNT                                                            
0000425699                                    [INTRUST BANK LOGO]               
NEW YORK BAGEL ENTERPRISES                                                      
PAGE 3 OF 11                                                                    

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  

2-03     PREAUTHORIZED WD            (29.98)          2,154.06                  
MERCHANT BNKCD DISCOUNT                                       
000203 164024500997                                           
2-03     PREAUTHORIZED WD            (23.81)          2,130.25                  
MERCHANT BNKCD DISCOUNT                                       
000203 164024500997                                           
2-03     PREAUTHORIZED WD            (17.55)          2,112.70                  
MERCHANT BNKCD DISCOUNT                                       
000203 164024532990                                           
2-03     PREAUTHORIZED WD             (7.53)          2,105.17                  
MERCHANT BNKCD DISCOUNT                                       
000203 164024531992                                           
2-03     PREAUTHORIZED WD             (0.64)          2,104.53                  
MERCHANT BNKCD DISCOUNT                                       
000203 164024532990                                           
2-03     PREAUTHORIZED WD             (0.30)          2,104.23                  
MERCHANT BNKCD DISCOUNT                                       
000203 164024531992                                           
2-04     DEPOSIT            771.42                    2,875.65                  
2-04     DEPOSIT            540.78                    3,416.43                  
2-04     PREAUTHORIZED CR   312.36                    3,728.79                  
MERCHANT BNKCD                                                
000204 164024500997                                           
2-04     PREAUTHORIZED CR   104.06                    3,832.85                  
MERCHANT BNKCD                                                
000204 164024532990                                           
2-04     PREAUTHORIZED CR    29.09                    3,861.94                  
MERCHANT BNKCD                                                
000204 164024531992                                           
2-04     PREAUTHORIZED CR     1.93                    3,863.87                  
AMERICAN EXPRESS                                              
000204 1152400925                                             
2-04     RETURN/CHARGEBACK           (11.81)          3,852.06                  
2-04     RETURN/CHARGEBACK            (6.85)          3,845.21                  
2-04     PREAUTHORIZED WD           (600.00)          3,245.21                  
NEW YORK BAGEL ACH XFER                                       
000204                                                        
2-04     PREAUTHORIZED WD             (2.50)          3,242.71                  
MERCHANT BNKCD FEE                                            
000204 164024531992                                           
2-04     PREAUTHORIZED WD             (1.25)          3,241.46                  
MERCHANT BNKCD FEE                                            
000204 164024500997                                           
2-04     PREAUTHORIZED WD             (1.25)          3,240.21                  
MERCHANT BNKCD FEE                                            
000204 164024532990                                           
2-07     DEPOSIT           1,381.21                   4,621.42                  
2-07     DEPOSIT           1,234.03                   5,855.45                  
2-07     DEPOSIT           1,109.11                   6,964.56                  
2-07     DEPOSIT             798.62                   7,763.18                  
2-07     DEPOSIT             696.97                   8,460.15                  
2-07     DEPOSIT             662.29                   9,122.44                  
2-07     DEPOSIT             269.32                   9,391.76                  

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STATEMENT OF ACCOUNT                                                            
0000425699                                    [INTRUST BANK LOGO]               
NEW YORK BAGEL ENTERPRISES                                                      
PAGE 4 OF 11                                                                    

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  

2-07     DEPOSIT            179.88                    9,571.64                  
2-07     DEPOSIT            175.96                    9,747.60                  
2-07     PREAUTHORIZED CR   251.49                    9,999.09                  
MERCHANT BNKCD                                                
000207 164024500997                                           
2-07     PREAUTHORIZED CR   122.32                   10,121.41                  
MERCHANT BNKCD                                                
000207 164024500997                                           
2-07     PREAUTHORIZED CR    91.23                   10,212.64                  
AMERICAN EXPRESS                                              
000207 1151005998                                             
2-07     PREAUTHORIZED CR    39.51                   10,252.15                  
MERCHANT BNKCD                                                
000207 164024532990                                           
2-07     PREAUTHORIZED CR    39.07                   10,291.22                  
MERCHANT BNKCD                                                
000207 164024531992                                           
2-07     PREAUTHORIZED CR    25.90                   10,317.12                  
AMERICAN EXPRESS                                              
000207 1152400917                                             
2-07     PREAUTHORIZED CR    20.28                   10,337.40                  
AMERICAN EXPRESS                                              
000207 1151005998                                             
2-07     PREAUTHORIZED CR    15.18                   10,352.58                  
AMERICAN EXPRESS                                              
000207 1152400917                                             
2-07     PREAUTHORIZED WD          (1,500.00)         8,852.58                  
NEW YORK BAGEL ACH XFER                                       
000207                                                        
2-08     DEPOSIT            753.76                    9,606.33                  
2-08     PREAUTHORIZED CR   118.03                    9,724.36                  
MERCHANT BNKCD                                                
000208 164024532990                                           
2-08     PREAUTHORIZED CR    57.24                    9,781.60                  
MERCHANT BNKCD                                                
000208 164024531992                                           
2-08     PREAUTHORIZED CR    46.40                    9,828.00                  
AMERICAN EXPRESS                                              
000208 1152400925                                             
2-08     PREAUTHORIZED CR     5.87                    9,833.87                  
AMERICAN EXPRESS                                              
000208 1152400917                                             
2-08     PREAUTHORIZED WD          (1,700.00)         8,133.87                  
NEW YORK BAGEL ACH XFER                                       
000208                                                        
2-09     PREAUTHORIZED CR   282.00                    8,415.87                  
MERCHANT BNKCD                                                
000209 164024532990                                           
2-09     PREAUTHORIZED CR   167.41                    8,583.28                  
MERCHANT BNKCD                                                
000209 164024531992                                           

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STATEMENT OF ACCOUNT                                                            
0000425699                                    [INTRUST BANK LOGO]               
NEW YORK BAGEL ENTERPRISES                                                      
PAGE 5 OF 11                                                                    

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  

2-09     PREAUTHORIZED CR   134.77                    8,718.05                  
MERCHANT BNKCD                                                
000209 164024500997                                           
2-09     PREAUTHORIZED CR    92.97                    8,811.02                  
MERCHANT BNKCD                                                
000209 164024500997                                           
2-09     PREAUTHORIZED CR    89.56                    8,900.58                  
MERCHANT BNKCD                                                
000209 164024500997                                           
2-09     PREAUTHORIZED CR    64.83                    8,965.41                  
MERCHANT BNKCD                                                
000209 164024500997                                           
2-09     PREAUTHORIZED CR    20.56                    8,985.97                  
AMERICAN EXPRESS                                              
000209 1151005998                                             
2-09     PREAUTHORIZED CR    12.18                    8,998.15                  
AMERICAN EXPRESS                                              
000209 1152400917                                             
2-09     PREAUTHORIZED WD          (7,100.00)         1,898.15                  
NEW YORK BAGEL ACH XFER                                       
000209                                                        
2-10     DEPOSIT            917.31                    2,815.46                  
2-10     DEPOSIT            562.87                    3,378.33                  
2-10     DEPOSIT            440.23                    3,818.56                  
2'-10    DEPOSIT            319.12                    4,137.68                  
2-10     DEPOSIT            280.37                    4,418.05                  
2-10     DEPOSIT             90.59                    4,508.64                  
2-10     PREAUTHORIZED CR    71.82                    4,580.46                  
MERCHANT BNKCD                                                
000210 164024532990                                           
2-10     PREAUTHORIZED CR    40.48                    4,620.94                  
MERCHANT BNKCD                                                
000210 164024531992                                           
2-10     PREAUTHORIZED CR     8.82                    4,629.76                  
AMERICAN EXPRESS                                              
000210 1152400925                                             
2-10     PREAUTHORIZED WD          (1,000.00)         3,629.76                  
NEW YORK BAGEL ACH XFER                                       
000210                                                        
2-11     DEPOSIT          1,083.94                    4,713.70                  
2-11     DEPOSIT            943.47                    5,657.17                  
2-11     DEPOSIT            130.88                    5,788.05                  
2-11     DEPOSIT            114.73                    5,902.78                  
2-11     DEPOSIT             86.03                    5,988.81                  
2-11     PREAUTHORIZED CR   125.20                    6,114.01                  
MERCHANT BNKCD                                                
000211 164024500997                                           
2-11     PREAUTHORIZED CR   114.46                    6,228.47                  
MERCHANT BNKCD                                                
000211 164024500997                                           
2-11     PREAUTHORIZED CR    66.16                    6,294.63                  
MERCHANT BNKCD                                                
000211 164024532990                                           

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STATEMENT OF ACCOUNT                                                            
0000425699                                    [INTRUST BANK LOGO]               
NEW YORK BAGEL ENTERPRISES                                                      
PAGE 6 OF 11                                                                    

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  

2-11     PREAUTHORIZED CR    41.67                    6,336.30                  
AMERICAN EXPRESS                                              
000211 1151005998                                             
2-11     PREAUTHORIZED CR     8.76                    6,345.06                  
MERCHANT BNKCD                                                
000211 164024531992                                           
2-11     PREAUTHORIZED CR     7.44                    6,352.50                  
AMERICAN EXPRESS                                              
000211 11524000917                                            
2-11     PREAUTHORIZED WD          (1,000.00)         5,352.50                  
NEW YORK BAGEL ACH XFER                                       
000211                                                        
2-14     DEPOSIT          1,077.59                    6,430.09                  
2-14     DEPOSIT            821.93                    7,252.02                  
2-14     DEPOSIT            712.91                    7,964.93                  
2-14     PREAUTHORIZED CR   181.87                    8,146.80                  
MERCHANT BNKCD                                                
000214 164024500997                                           
2-14     PREAUTHORIZED CR   105.63                    8,252.43                  
AMERICAN EXPRESS                                              
000214 1151005998                                             
2-14     PREAUTHORIZED CR    59.80                    8,312.23                  
MERCHANT BNKCD                                                
000214 164024531992                                           
2-14     PREAUTHORIZED CR    54.65                    8,366.88                  
MERCHANT BNKCD                                                
000214 164024532990                                           
2-14     PREAUTHORIZED CR    26.36                    8,393.24                  
AMERICAN EXPRESS                                              
000214 1152400925                                             
2-14     PREAUTHORIZED CR    15.00                    8,408.24                  
AMERICAN EXPRESS                                              
000214 1152400917                                             
2-14     PREAUTHORIZED CR     5.09                    8,413.33                  
AMERICAN EXPRESS                                              
000214 1152400925                                             
2-14     PREAUTHORIZED WD          (2,600.00)         5,813.33                  
NEW YORK BAGEL ACH XFER                                       
000214                                                        
2-15     PREAUTHORIZED CR    46.84                    5,860.17                  
MERCHANT BNKCD                                                
000215 16402453990                                            
2-15     PREAUTHORIZED CR    24.30                    5,884.47                  
MERCHANT BNKCD                                                
000215 164024531992                                           
2-15     PREAUTHORIZED CR    21.62                    5,906.09                  
AMERICAN EXPRESS                                              
000215 1152400925                                             
2-15     PREAUTHORIZED WD          (2,700.00)         3,206.09                  
NEW YORK BAGEL ACH XFER                                       
000215                                                        

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STATEMENT OF ACCOUNT                                                            
0000425699                                    [INTRUST BANK LOGO]               
NEW YORK BAGEL ENTERPRISES                                                      
PAGE 7 OF 11                                                                    

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  

2-16     PREAUTORIZED CR    183.21                    3,389.30                  
MERCHANT BNKCD                                                
000216 164024531992                                           
2-16     PREAUTORIZED CR    142.86                    3,532.16                  
MERCHANT BNKCD                                                
000216 164024532990                                           
2-16     PREAUTORIZED CR    139.95                    3,672.11                  
MERCHANT BNKCD                                                
000216 164024500997                                           
2-16     PREAUTORIZED CR    133.60                    3,805.71                  
MERCHANT BNKCD                                                
000216 164024500997                                           
2-16     PREAUTORIZED CR     49.49                    3,855.20                  
MERCHANT BNKCD                                                
000216 16402450097                                            
2-16     PREAUTORIZED CR     49.33                    3,904.53                  
MERCHANT BNKCD                                                
000216 164024500997                                           
2-16     PREAUTORIZED WD          (3,100.00)            804.53                  
NEW YORK BAGEL ACH XFER                                       
000216                                                        
2-17     DEPOSIT            781.61                    1,586.14                  
2-17     DEPOSIT            508.69                    2,094.83                  
2-17     DEPOSIT            351.16                    2,445.99                  
2-17     DEPOSIT            333.76                    2,779.75                  
2-17     DEPOSIT            327.32                    3,107.07                  
2-17     DEPOSIT            271.76                    3,378.83                  
2-17     DEPOSIT            252.65                    3,631.48                  
2-17     DEPOSIT            228.75                    3,860.23                  
2-17     DEPOSIT            144.67                    4,004.90                  
2-17     DEPOSIT            137.36                    4,142.26                  
2-17     DEPOSIT            122.29                    4,264.55                  
2-17     DEPOSIT            119.17                    4,383.72                  
2-17     DEPOSIT             95.32                    4,479.04                  
2-17     DEPOSIT             77.68                    4,556.72                  
2-17     PREAUTORIZED CR     61.07                    4,617.79                  
MERCHANT BNKCD                                                
000217 16402450097                                            
2-17     PREAUTORIZED CR     41.21                    4,659.00                  
MERCHANT BNKCD                                                
000217 164024532900                                           
2-17     PREAUTORIZED CR     26.18                    4,685.18                  
MERCHANT BNKCD                                                
000217 164024531992                                           
2-17     PREAUTORIZED CR     12.61                    4,697.79                  
AMERICAN EXPRESS                                              
000217 1152400917                                             
2-17     PREAUTORIZED CR      6.20                    4,703.99                  
AMERICAN EXPRESS                                              
000217 1151005988                                             
2-17     PREAUTORIZED WD           (100.00)           4,603.99                  
NEW YORK BAGEL ACH XFER                                       
000217                                                        

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STATEMENT OF ACCOUNT                                                            
0000425699                                    [INTRUST BANK LOGO]               
NEW YORK BAGEL ENTERPRISES                                                      
PAGE 8 OF 11                                                                    

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  

2-18     DEPOSIT          1,269.60                    5,873.59                  
2-18     DEPOSIT          1,261.64                    7,135.23                  
2-18     PREAUTHORIZED CR   133.46                    7,268.69                  
AMERICAN EXPRESS                                              
000218 1151005998                                             
2-18     PREAUTHORIZED CR    66.03                    7,334.72                  
MERCHANT BNKCD                                                
000218 164024532990                                           
2-18     PREAUTHORIZED CR    49.83                    7,384.55                  
MERCHANT BNKCD                                                
000218 164024531992                                           
2-18     PREAUTHORIZED WD         (700.00)            6,684.55                  
NEW YORK BAGEL ACH XFER                                       
000218                                                        
2-22     DEPOSIT          1,323.77                    8,008.32                  
2-22     DEPOSIT          1,075.82                    9,084.14                  
2-22     DEPOSIT            902.01                    9,986.15                  
2-22     DEPOSIT            794.93                   10,781.08                  
2-22     DEPOSIT            612.08                   11,393.16                  
2-22     DEPOSIT            389.12                   11,782.28                  
2-22     DEPOSIT            253.48                   12,035.76                  
2-22     DEPOSIT            192.01                   12,227.77                  
2-22     PREAUTHORIZED CR   144.79                   12,372.56                  
MERCHANT BNKCD                                                
000222 164024500997                                           
2-22     PREAUTHORIZED CR    72.99                   12,445.55                  
AMERICAN EXPRESS                                              
000222 1152400925                                             
2-22     PREAUTHORIZED CR    38.48                   12,484.03                  
MERCHANT BNKCD                                                
000222 164024531992                                           
2-22     PREAUTHORIZED CR    38.04                   12,522.07                  
MERCHANT BNKCD                                                
000222 164024532990                                           
2-22     PREAUTHORIZED CR    30.49                   12,552.56                  
AMERICAN EXPRESS                                              
000222 1152400917                                             
2-22     PREAUTHORIZED CR    18.61                   12,571.17                  
AMERICAN EXPRESS                                              
000222 1152400925                                             
2-22     PREAUTHORIZED CR    15.27                   12,586.44                  
AMERICAN EXPRESS                                              
000222 1151005998                                             
2-22     PREAUTHORIZED CR     6.40                   12,592.84                  
AMERICAN EXPRESS                                              
000222 1152400917                                             
2-22     PREAUTHORIZED CR     4.97                   12,597.81                  
AMERICAN EXPRESS                                              
000222 1151005998                                             
2-22     PREAUTHORIZED WD        (3,900.00)           8,697.81                  
NEW YORK BAGEL ACH XFER                                       
000222                                                        
2-23     DEPOSIT            819.65                    9,517.46                  

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STATEMENT OF ACCOUNT                                                            
0000425699                                    [INTRUST BANK LOGO]               
NEW YORK BAGEL ENTERPRISES                                                      
PAGE 9 OF 11                                                                    

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  

2-23     DEPOSIT            205.31                    9,722.77                  
2-23     DEPOSIT            198.54                    9,921.31                  
2-23     DEPOSIT            110.71                   10,032.02                  
2-23     PREAUTHORIZED CR    92.78                   10,124.80                  
MERCHANT BNKCD                                                
000223 164024500997                                           
2-23     PREAUTHORIZED CR    51.88                   10,176.68                  
MERCHANT BNKCD                                                
000223 164024532990                                           
2-23     PREAUTHORIZED CR    43.67                   10,220.35                  
AMERICAN EXPRESS                                              
000223 1152400917                                             
2-23     PREAUTHORIZED CR    25.03                   10,245.38                  
AMERICAN EXPRESS                                              
000223 1151005998                                             
2-23     PREAUTHORIZED CR    18.59                   10,263.97                  
MERCHANT BNKCD                                                
000223 164024531992                                           
2-23     PREAUTHORIZED CR    16.49                   10,280.46                  
AMERICAN EXPRESS                                              
000223 1152400925                                             
2-23     MAINTENANCE FEE             (97.32)         10,183.14                  
ANALYSIS LOSS/CHR FOR 1/31/2000                               
2-23     PREAUTHORIZED CR         (2,700.00)          7,483.14                  
NEW YORK BAGEL ACH XFER                                       
000223                                                        
2-24     DEPOSIT            830.80                    8,313.94                  
2-24     DEPOSIT            226.97                    8,540.91                  
2-24     DEPOSIT            138.90                    8,679.81                  
2-24     DEPOSIT            116.50                    8,796.31                  
2-24     PREAUTHORIZED CR   219.47                    9,015.78                  
MERCHANT BNKCD                                                
000224 164024500997                                           
2-24     PREAUTHORIZED CR   142.94                    9,158.72                  
MERCHANT BNKCD                                                
000224 164024500997                                           
2-24     PREAUTHORIZED CR   139.39                    9,298.11                  
MERCHANT BNKCD                                                
000224 164024531992                                           
2-24     PREAUTHORIZED CR   122.55                    9,420.66                  
MERCHANT BNKCD                                                
000224 164024500997                                           
2-24     PREAUTHORIZED CR    85.57                    9,506.23                  
MERCHANT BNKCD                                                
000224 164024500997                                           
2-24     PREAUTHORIZED CR    75.16                    9,581.39                  
MERCHANT BNKCD                                                
000224 164024532990                                           
2-24     PREAUTHORIZED CR    70.79                    9,652.18                  
MERCHANT BNKCD                                                
000224 164024500997                                           

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STATEMENT OF ACCOUNT                                                            
0000425699                                    [INTRUST BANK LOGO]               
NEW YORK BAGEL ENTERPRISES                                                      
PAGE 10 OF 11                                                                   

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  

2-24     PREAUTHORIZED CR     6.01                    9,658.19                  
AMERICAN EXPRESS                                              
000224 1151005998                                             
2-24     PREAUTHORIZED WD         (5,900.00)          3,758.19                  
NEW YORK BAGEL ACH XFER                                       
000224                                                        
2-25     DEPOSIT          1,269.31                    5,027.50                  
2-25     DEPOSIT          1,025.00                    6,052.50                  
2-25     DEPOSIT            433.85                    6,486.35                  
2-25     DEPOSIT            300.00                    6,786.35                  
2-25     DEPOSIT            297.25                    7,083.60                  
2-25     PREAUTHORIZED CR   134.56                    7,218.16                  
MERCHANT BNKCD                                                
000225 164024500997                                           
2-25     PREAUTHORIZED CR    68.44                    7,286.60                  
MERCHANT BNKCD                                                
000225 164024531992                                           
2-25     PREAUTHORIZED CR    30.49                    7,317.09                  
MERCHANT BNKCD                                                
000225 164024532990                                           
2-25     PREAUTHORIZED WD         (1,500.00)          5,817.09                  
NEW YORK BAGEL ACH XFER                                       
000225                                                        
2-28     DEPOSIT          1,019.04                    6,836.13                  
2-28     DEPOSIT            777.15                    7,613.28                  
2-28     PREAUTHORIZED CR   123.02                    7,736.30                  
AMERICAN EXPRESS                                              
000228 1152400917                                             
2-28     PREAUTHORIZED CR   102.77                    7,839.07                  
MERCHANT BNKCD                                                
000228 164024500997                                           
2-28     PREAUTHORIZED CR    88.80                    7,927.87                  
AMERICAN EXPRESS                                              
000228 1151005998                                             
2-28     PREAUTHORIZED CR    82.50                    8,010.37                  
AMERICAN EXPRESS                                              
000228 1151005998                                             
2-28     PREAUTHORIZED CR    55.51                    8,065.88                  
AMERICAN EXPRESS                                              
000228 1152400917                                             
2-28     PREAUTHORIZED CR    27.94                    8,093.82                  
MERCHANT BNKCD                                                
000228 164024531992                                           
2-28     PREAUTHORIZED CR    11.62                    8,105.44                  
AMERICAN EXPRESS                                              
000228 1152400925                                             
2-28     RETURN/CHARGEBACK           (12.68)          8,092.76                  
2-28     PREAUTHORIZED WD         (2,200.00)          5,892.76                  
NEW YORK BAGEL ACH XFER                                       
000228                                                        
2-29     DEPOSIT            746.23                    6,638.99                  
2-29     DEPOSIT            241.35                    6,880.34                  

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STATEMENT OF ACCOUNT                                                            
0000425699                                    [INTRUST BANK LOGO]               
NEW YORK BAGEL ENTERPRISES                                                      
PAGE 11 OF 11                                                                   

DATE     DESCRIPTION       ADDITIONSSUBTRACTIONS       BALANCE                  

2-29     PREAUTHORIZED CR    49.99                    6,930.33                  
MERCHANT BNKCD                                                
000229 164024531992                                           
2-29     PREAUTHORIZED CR    17.74                    6,948.07                  
AMERICAN EXPRESS                                              
000229 1152400917                                             
2-29     PREAUTHORIZED WD          (3,600.00)         3,348.07                  
NEW YORK BAGEL ACH XFER                                       
02-29    ENDING TOTALS  48,631.32 (52,929.51)         3,348.07                  

Dates Referenced Herein   and   Documents Incorporated By Reference

				Referenced-On Page
This 8-K Filing		Date		First		Last			Other Filings
		2/23/00		1		69
		3/13/00		4
For The Period Ended		3/15/00
Filed On / Filed As Of		4/10/00
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