More than three out of every four dollars that Americans give to charity goes to houses of worship and religious causes. That's according to a new study by the Chronicle of Philanthropy. The study analyzed 1997 tax data for households earning more than 50-thousand dollars a year that itemized tax deductions. It found that residents of Salt Lake City and Ogden, Utah, were the nation's most generous, donating nearly 15 percent of their discretionary income to charities -- most of it to the Mormon church. The runner-up was Michigan's Grand Rapids-Muskegon-Holland area at ten percent. Hartford, Connecticut, was the nation's least-generous metropolitan area, with less than five percent of discretionary income going to charities.