Following is information about the computation of the earnings per share (EPS)
data for the quarter ended September 30, 2000 and 1999:
<TABLE>
For the Quarter Ended September 30, 2000
----------------------------------------
Income Shares Per-Share
(Numerator) (Denominator) Amount
----------------------------------------
<S> <C> <C> <C>
Basic EPS
Income available to common stockholders $278,430 4,534,736 $0.06
=====
Effect of Diluted Securities - None
Diluted EPS
Income available to common stockholders
plus assumed conversions $278,430 4,534,736 $0.06
========= ========= =====
</TABLE>
<TABLE>
For the Quarter Ended September 30, 1999
----------------------------------------
Income Shares Per-Share
(Numerator) (Denominator) Amount
----------------------------------------
<S> <C> <C> <C>
Basic EPS
Income available to common stockholders $250,529 4,610,802 $0.05
=====
Effect of Diluted Securities - None
Diluted EPS
Income available to common stockholders
plus assumed conversions $250,529 4,610,802 $0.05
========= ========= =====
</TABLE>
Following is information about the computation of the earnings per share (EPS)
data for the first 9 months ended September 30, 2000 and 1999:
<TABLE>
For the 9 months Ended September 30, 2000
-----------------------------------------
Income Shares Per-Share
(Numerator) (Denominator) Amount
-----------------------------------------
<S> <C> <C> <C>
Basic EPS
Income available to common stockholders $836,694 4,541,860 $0.18
=====
Effect of Diluted Securities - None
Diluted EPS
Income available to common stockholders
plus assumed conversions $836,694 4,541,860 $0.18
======== ========= =====
</TABLE>
<TABLE>
For the 9 months Ended September 30, 1999
-----------------------------------------
Income Shares Per-Share
(Numerator) (Denominator) Amount
-----------------------------------------
<S> <C> <C> <C>
Basic EPS
Income available to common stockholders $279,918 4,610,752 $0.06
=====
Effect of Diluted Securities - None
Diluted EPS
Income available to common stockholders
plus assumed conversions $279,918 4,610,752 $0.06
======== ========= =====
</TABLE>
