<PAGE> 1
EXHIBIT 11
<TABLE>
<CAPTION>
Three Months Ended September 30,
------------------------------------------------------------------------
2000 1999
------------------------------------------------------------------------
Number of Per Share Number of Per Share
Net Income Shares Amount Net Income Shares Amount
------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C>
($ in thousands, except per share data)
Basic EPS
Net Income $ 11,144 18,889 $ 0.59 $ 8,575 17,390 $ 0.49
Effect of dilutive securities
Options - 137 - - 162 -
Warrants - - - - - -
Stock appreciation rights - - - - - -
---------------------------------- ----------------------------------
Diluted EPS $ 11,144 19,026 $ 0.59 $ 8,575 17,552 $ 0.49
================================== ==================================
</TABLE>
<TABLE>
<CAPTION>
Nine Months Ended September 30,
------------------------------------------------------------------------
2000 1999
------------------------------------------------------------------------
Number of Per Share Number of Per Share
Net Income Shares Amount Net Income Shares Amount
------------------------------------------------------------------------
<S> <C> <C> <C> <C> <C> <C>
($ in thousands, except per share data)
Basic EPS
Net Income $ 33,801 17,893 $ 1.89 $ 34,521 17,390 $ 1.99
Effect of dilutive securities
Options - 42 (0.01) - 74 (0.01)
Warrants - - - - - -
Stock appreciation rights - - - - - -
---------------------------------- ----------------------------------
Diluted EPS $ 33,801 17,935 $ 1.88 $ 34,521 17,464 $ 1.98
================================== ==================================
</TABLE>