Motor Cargo Industries, Inc.
Ticker:CRGO 845 West Center Street
Exchange:NASDAQ-National Market North Salt Lake, UT 84054
Industry:Transportation (SIC Code 4213) (801) 292-1111

Offering Information
Type of Shares:Common Shares Filing Date:10/6/97
U.S. Shares:2,230,000 Offer Date:11/24/97
Non-U.S. Shares:0 Filing Range:$12.00 - $14.00
Primary Shares:1,150,000 Offer Price:$12.00
Secondary Shares:1,080,000 Gross Spread:$0.84
Offering Amount: $28,990,000 Selling:$0.48
Expenses:$600,000 Reallowance:$0.10
Shares Out After:6,990,000

Primary Underwriting Group
ManagerTierPhone
Morgan Keegan & Company, IncorporatedCo-manager (901) 529-5357

Legal Counsel, Auditor and Registrar
Issuer's Law Firm: Van Cott, Bagley, Cornwall & McCarthy
Bank's Law Firm: Baker, Donelson, Bearman & Caldwell
Auditor: Grant Thornton
Registrar/Transfer Agent: Zions First National Bank, UT

Selected Financial Data

Dollar amounts in U.S. millions except for per share data
6 Month Ending Financials
Full Year
Audited
Income
Latest
Unaudited
Income
Prior
Unaudited
Income
Balance
Sheet
12/31/96 6/30/97 6/30/96 6/30/97
Revenue:$92.31$49.28$43.73Assets:$55.28
Net Income:$3.73$2.59$1.49Curr Assets:$17.50
EPS:$0.64$0.45$0.26Liabilities:$26.94
Prior EPS:$0.67$6.83$4.54Curr Liabilities:$14.12
Cash Flow/Oper:$10.19Equity:$28.34
Cash Flow/Fin:-$0.54-$5.81Cash:$2.49
Cash Flow/Inv:-$7.91-$0.54Working Cap:$3.38

Business Description
The company is a less-than-truckload carrier which provides transportation and logistics services to shippers primarily within the western region of the U.S. The Company transports general commodities, including consumer goods, packaged foodstuffs, electronics, computer equipment, apparel, hardware, industrial goods and auto parts for major shippers such as Starbucks Coffee Company, 3M Corporation, Steelcase, Pepperidge Farm, Sony Music, Eli Lilly, General Motors and Square D Corp. The Company offers a broad range of services, including expedited scheduling and full temperature-controlled service. The Company's management believes that by focusing on the high service segment of the LTL industry the Company can continue its profitable growth within the western region of the United States, which is one of the fastest growing regions of the United States. The Company's management believes that the Company's rigorous focus on cost controls, its largely nonunion work force (over 95% of its employees are nonunion) and its focus on the western region give the Company a competitive advantage with respect to the larger, national LTL carriers that compete with the Company within the western region. The Company has 22 service centers strategically located in each major population center in the western region. The Company uses a single service center, rather than multiple satellite terminals, in each of the major cities it serves in order to reduce intermediate handling. The Company also utilizes 20 independent agents in smaller markets, enabling the Company to offer shippers extensive coverage throughout the region.

Competition
The trucking industry is highly competitive and fragmented. Competition for freight transported by the Company is based primarily on service and efficiency and on freight rates. The Company competes with regional, inter-regional and national LTL carriers of varying sizes and, to a lesser extent with truckload carriers, railroads and overnight delivery companies. Some of the Company's competitors are divisions or subsidiaries of larger trucking companies. Many of the Company's competitors have greater financial resources, more equipment and greater freight capacity than the Company. Certain carriers occasionally experience periods of over capacity during which these carriers reduce prices in order to increase utilization of revenue equipment.

Business Plan
The Company seeks to achieve sustainable long-term growth by increasing the amount of business generated by existing customers, acquiring new customers within its core service region and acquiring new customers outside its service region for the purpose of soliciting new business into its core service region. The Company believes that by increasing the amount of business handled by the Company within its core service region it will be able to achieve long-term growth while improving the efficiency of its operations. The key elements of the Company's growth strategy are: (I) Increase Market Share Within Core Service Region, (ii) Expand into Additional Major Markets, (iii) Expand the Market Presence of MCDS and (iv) Emphasize Low-cost Operations.

Use of Proceeds
The proceeds from the proposed offering will be used to reduce indebtedness and purchase revenue equipment and for working capital and for general corporate purposes.

Principal and Selling Shareholders
Name of Shareholder% Owned
Before
% Owned
After
Harold R. Tate84.02%55.65%
Note: Represents ownership of 5% or more prior to the offering.
Executive Officers and Directors
Officer NameTitleAge
Harold R. TateChairman of the Board, Director71
Marshall L. TatePresident and Chief Executive Officer, Director35
Lynn H. WheelerVice President and Chief Financial Officer56
Marvin L. FriedlandVice President and General Counsel, Secretary, Director56
Steven E. WynnVice President of Operations47
R. Scott PriceVice President of Sales34
Kevin L. AveryVice President of Traffic40
Louis V. HoldenerVice President, President of Motor Cargo59

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