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EXHIBIT 11
STATEMENT REGARDING COMPUTATION OF EARNINGS PER SHARE
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Three Months Ended Six Months Ended
September 30, September 30,
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2000 1999 2000 1999
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<S> <C> <C> <C> <C>
Net Income (Loss) $ (24,031) 26,730 (47,791) 61,695
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Weighted average shares outstanding 207,232 219,221 207,850 220,836
Reduction for common shares not yet
released by Employee Stock Ownership Plan 10,136 11,841 10,357 12,043
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Total weighted average common shares
outstanding for basic computation 197,096 207,380 197,493 208,793
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Basic earnings (loss) per share $ (.12) .13 (.24) .30
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Total weighted average common shares
outstanding for basic computation 197,096 207,380 197,493 208,793
Common stock equivalents due to dilutive
effect of stock options 2,641 2,643 2,641 2,796
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Total weighted average common shares and
equivalents outstanding
for diluted computation 199,737 210,023 200,134 211,589
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Diluted earnings (loss) per share $ (.12) .13 (.24) .29
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