MANUFACTURED HOMES INC <MNH> YEAR NET Shr 53 cts vs 85 cts Net 2,033,425 vs 3,718,325 Revs 120.6 mln vs 79.5 mln NOTE: 1986 net includes 3,300,000 dlr provision for credit loss. 1985 net includes charge 504,571 dlrs from cumulative effect of accounting change.