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|------------ | -----------------------------------------------------------------------------------------------------------------------------------
|Exhibit 12.1 | Computation of Earnings to Fixed Charges and Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividend Requirements.

|                                                                                             |                                                                                                                   | Six Months
Ended
June 30
2002                          |   | Year Ended December 31
|-------------------------------------------------------------------------------------------- | ----------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------ | - | ----------------------
|
|
|a. Ratio of Earnings to Fixed Charges                                                        |                                                                                                                   |                                                        |   |                       
|Including Interest on Deposits                                                               |                                                                                                                   |                                                        |   |                       
|                                                                                             | Earnings:                                                                                                         |                                                        |   |                       
|                                                                                             |                                                                                                                   | Income from operations before income taxes             |   | $                     
|                                                                                             |                                                                                                                   | Fixed charges                                          |   |                       
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Earnings, for computation purposes                                                                                |                                                        | $ | 582,536               
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Fixed Charges:                                                                                                    |                                                        |   |                       
|                                                                                             |                                                                                                                   | Interest on borrowings                                 |   | $                     
|                                                                                             |                                                                                                                   | Interest on deposits                                   |   |                       
|                                                                                             |                                                                                                                   | Portion of rents representative of the interest factor |   |                       
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Fixed charges, including interest on deposits, for computation purposes                                           |                                                        | $ | 422,594               
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Ratio of earnings to fixed charges, including interest on deposits                                                |                                                        |   | 1.38                  
|Excluding Interest on Deposits                                                               |                                                                                                                   |                                                        |   |                       
|                                                                                             | Earnings:                                                                                                         |                                                        |   |                       
|                                                                                             |                                                                                                                   | Income from operations before income taxes             |   | $                     
|                                                                                             |                                                                                                                   | Fixed charges                                          |   |                       
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Earnings, for computation purposes                                                                                |                                                        | $ | 201,495               
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Fixed Charges:                                                                                                    |                                                        |   |                       
|                                                                                             |                                                                                                                   | Interest on borrowings                                 |   | $                     
|                                                                                             |                                                                                                                   | Portion of rents representative of the interest factor |   |                       
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Fixed charges, excluding interest on deposits, for computation purposes                                           |                                                        | $ | 41,553                
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Ratio of earnings to fixed charges, excluding interest on deposits                                                |                                                        |   | 4.85                  
|b. Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividend Requirements (1) |                                                                                                                   |                                                        |   |                       
|Including Interest on Deposits                                                               |                                                                                                                   |                                                        |   |                       
|                                                                                             | Earnings:                                                                                                         |                                                        |   |                       
|                                                                                             |                                                                                                                   | Income from operations before income taxes             |   | $                     
|                                                                                             |                                                                                                                   | Fixed charges                                          |   |                       
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Earnings, for computation purposes                                                                                |                                                        | $ | 582,536               
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Fixed Charges and Preferred Stock:                                                                                |                                                        |   |                       
|                                                                                             |                                                                                                                   | Dividend Requirements                                  |   |                       
|                                                                                             |                                                                                                                   | Interest on borrowings                                 |   | $                     
|                                                                                             |                                                                                                                   | Interest on deposits                                   |   |                       
|                                                                                             |                                                                                                                   | Portion of rents representative of the interest factor |   |                       
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Fixed charges, including interest on deposits, for computation purposes                                           |                                                        | $ | 422,594               
|                                                                                             | Preferred stock dividend requirements                                                                             |                                                        |   |                      
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Fixed charges and preferred stock dividend requirements, including interest on deposits, for computation purposes |                                                        | $ | 422,594               
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Ratio of earnings to fixed charges and preferred stock dividend requirements, including interest on deposits      |                                                        |   | 1.38                  
|Excluding Interest on Deposits                                                               |                                                                                                                   |                                                        |   |                       
|                                                                                             | Earnings:                                                                                                         |                                                        |   |                       
|                                                                                             |                                                                                                                   | Income from operations before income taxes             |   | $                     
|                                                                                             |                                                                                                                   | Fixed charges                                          |   |                       
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Earnings for computation purposes                                                                                 |                                                        | $ | 201,495               
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Fixed Charges and Preferred Stock:                                                                                |                                                        |   |                       
|                                                                                             |                                                                                                                   | Dividend Requirements                                  |   |                       
|                                                                                             |                                                                                                                   | Interest on borrowings                                 |   | $                     
|                                                                                             |                                                                                                                   | Portion of rents representative of the interest factor |   |                       
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Fixed charges, including interest on deposits, for computation purposes                                           |                                                        | $ | 41,553                
|                                                                                             | Preferred stock dividend requirements                                                                             |                                                        |   |                      
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Fixed charges and preferred stock dividend requirements, excluding interest on deposits, for computation purposes |                                                        | $ | 41,553                
|                                                                                             |                                                                                                                   |                                                        |   |                       
|                                                                                             | Ratio of earnings to fixed charges and preferred stock dividend requirements, excluding interest on deposits      |                                                        |   | 4.85                  

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