EXHIBIT NO. 11
Statement Regarding the Computation of Per Share Earnings
September 30,
2000 1999
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Basic earnings per common share $.94 $.60
Basic earnings per common share before
merger-related expenses .94 .85
Basic weighted average number of shares
outstanding 11,924,492 11,655,706
Diluted earnings per common share .93 .58
Diluted earnings per common share before
merger-related expenses .94 .83
Diluted weighted average number of shares
outstanding 11,960,604 11,915,845