JOHNSTOWN/CONSOLIDATED REALTY TRUST <JCT> NET 4th qtr Shr 15 cts vs eight cts Net 1,800,000 vs one mln Year Shr 51 cts vs 1.10 dlrs Net 6,200,000 vs 13.2 mln NOTE: Net includes loan loss provisions of 14 cts shr vs 18 cts in quarter and 24 cts shr vs 36 cts in year.