FREEDOM SAVINGS AND LOAN ASS'N &lt;FRDM> YEAR END

  Shr loss 31.09 dlrs vs loss 1.86 dlrs
      Net loss 112.7 mln vs loss 5.5 mln
      NOTE: 1986 loss includes operating loss of 109.4 mln dlrs
  or 30.21 dlrs a share, including an additional loan loss
  provision of 68 mln dlrs, write downs in the value of real
  estate of 13 mln dlrs and an extraordinary loss of 3.3 mln dlrs
  for early retirement of long-term debt.
  

