Hi Suleiman,
In general it is possible to configure acls so the addresses are "grouped" or summarized.
In your case you can group the 192.168.20.20 and 192.168.10.10 together, so the acl would look like this:
access-list 1 permit host 10.5.5.10
access-list 1 permit host 172.16.10.10
access-list 1 permit 192.168.0.0 0.0.255.255
In the last row, of course, other possibilities also exist, but this one may be the simplest.
So there are only 3 lines.
If you need to group other addresses, please post them and I will help you create the shortest possible access-list.
Cheers:
Istvan