THREE MONTHS ENDED

MARCH 31,

2000

1999

INCOME:

Net income

$ 2,358

$ 2,443

SHARES:

Weighted average common shares outstanding

7,180

7,361

BASIC INCOME PER SHARE:

Net income per share

$ .33

$ .33

DILUTED EARNINGS PER SHARE (A)

USE OF PROCEEDS:

Assumed exercise of options

$ 1,435

$ 2,278

Tax benefit from assumed exercise of options

414

846

Repurchase of treasury stock at the average market

price per share of $11.53 and $12.97, respectively

(1,849)

(3,124)

Assumed balance to be invested

$ - .

$ - .

SHARES:

Weighted average shares outstanding

7,180

7,361

Shares assumed issued for options

230

368

Treasury stock assumed purchased

(160)

(241)

Adjusted average shares outstanding

7,250

7,488

DILUTED INCOME PER SHARE:

Net income per share

$ .33

$ .33