EXHIBIT NO. 11
Statement Regarding the Computation of Per Share Earnings
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<CAPTION>
June 30,
2000 1999
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<S> <C> <C>
Basic earnings per common share $.59 $.54
Basic earnings per common share before
merger-related expenses .59 .56
Basic weighted average number of shares
outstanding 11,924,516 11,607,416
Diluted earnings per common share .59 .53
Diluted earnings per common share before
merger-related expenses .59 .55
Diluted weighted average number of shares
outstanding 11,950,055 11,644,342
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