<TABLE>
<CAPTION>
(a) Exhibit 11 - COMPUTATION OF BASIC EARNINGS PER COMMON SHARE AND DILUTED
EARNINGS PER COMMON SHARE
Three Months Ended Six Months Ended
June 30, 2000 June 30, 2000
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(Dollars in thousands, except per share data)
<S> <C> <C>
Basic earnings per common share
Net income available to common shareholders $2,326 $4,498
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Weighted average common shares outstanding 6,436,872 6,459,594
Basic earnings per common share $.36 $.70
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Diluted earnings per common share
Net income available to common shareholders $2,326 $4,498
====== ======
Weighted average common shares outstanding 6,436,872 6,459,594
Add: Dilutive effects of assumed exercises of
stock options 299,647 271,598
Weighted average common and dilutive potential
common shares outstanding 6,736,519 6,731,192
Dilutive earnings per common share $.35 $.67
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</TABLE>
Note: The share and per share information disclosed above have been
retroactively adjusted to reflect the 10% stock dividend paid on June 30,
2000.