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

|                                                                                          |                                                                         | Three Months
Ended
March 31,
2001                      |   | Year Ended December 31
|----------------------------------------------------------------------------------------- | ----------------------------------------------------------------------- | ------------------------------------------------------ | - | ----------------------
|
|
|a. Ratio of Earnings to Fixed Charges                                                     |                                                                         |                                                        |   |                       
|Including Interest on Deposits                                                            |                                                                         |                                                        |   |                       
|                                                                                          | Earnings:                                                               |                                                        |   |                       
|                                                                                          |                                                                         | Income before income taxes                             |   | $                     
|                                                                                          |                                                                         | Fixed charges                                          |   |                       
|                                                                                          |                                                                         |                                                        |   |                       
|                                                                                          | Earnings, for computation purposes                                      |                                                        | $ | 609,162               
|                                                                                          |                                                                         |                                                        |   |                       
|                                                                                          | 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 |                                                        | $ | 231,304               
|                                                                                          |                                                                         |                                                        |   |                       
|                                                                                          | Ratio of earnings to fixed charges, including interest on deposits      |                                                        |   | 2.63                  
|Excluding Interest on Deposits                                                            |                                                                         |                                                        |   |                       
|                                                                                          | Earnings:                                                               |                                                        |   |                       
|                                                                                          |                                                                         | Income before income taxes                             |   | $                     
|                                                                                          |                                                                         | Fixed charges                                          |   |                       
|                                                                                          |                                                                         |                                                        |   |                       
|                                                                                          | Earnings, for computation purposes                                      |                                                        | $ | 403,695               
|                                                                                          |                                                                         |                                                        |   |                       
|                                                                                          | Fixed Charges:                                                          |                                                        |   |                       
|                                                                                          |                                                                         | Interest on borrowings                                 |   | $                     
|                                                                                          |                                                                         | Portion of rents representative of the interest factor |   |                       
|                                                                                          |                                                                         |                                                        |   |                       
|                                                                                          | Fixed charges, excluding interest on deposits, for computation purposes |                                                        | $ | 25,837                
|                                                                                          |                                                                         |                                                        |   |                       
|                                                                                          | Ratio of earnings to fixed charges, excluding interest on deposits      |                                                        |   | 15.62                 
|b.  Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividend Requirements |                                                                         |                                                        |   |                       
|Including Interest on Deposits                                                            |                                                                         |                                                        |   |                       
|                                                                                          | Earnings:                                                               |                                                        |   |                       
|                                                                                          |                                                                         | Income before income taxes                             |   | $                     
|                                                                                          |                                                                         | Fixed charges                                          |   |                       
|                                                                                          |                                                                         |                                                        |   |                       
|                                                                                          | Earnings, for computation purposes                                      |                                                        | $ | 609,162               
|                                                                                          |                                                                         |                                                        |   |                       

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|                               | Fixed Charges and Preferred Stock:                                                                                |                                                        |   |         |         |   |           |           |   |           |         |   |         |         |   |         |         |   |        
|------------------------------ | ----------------------------------------------------------------------------------------------------------------- | ------------------------------------------------------ | - | ------- | ------- | - | --------- | --------- | - | --------- | ------- | - | ------- | ------- | - | ------- | ------- | - | -------
|                               |                                                                                                                   | Dividend Requirements                                  |   |         |         |   |           |           |   |           |         |   |         |         |   |         |         |   |        
|                               |                                                                                                                   | Interest on borrowings                                 |   | $       | 19,582  |   | $         | 62,188    |   | $         | 92,334  |   | $       | 42,931  |   | $       | 18,858  |   | $      
|                               |                                                                                                                   | Interest on deposits                                   |   |         | 205,467 |   |           | 812,986   |   |           | 356,736 |   |         | 204,335 |   |         | 164,252 |   |        
|                               |                                                                                                                   | Portion of rents representative of the interest factor |   |         | 6,255   |   |           | 21,497    |   |           | 11,518  |   |         | 6,740   |   |         | 4,733   |   |        
|                               |                                                                                                                   |                                                        |   |         |         |   |           |           |   |           |         |  
|                               | Fixed charges, including interest on deposits, for computation purposes                                           |                                                        | $ | 231,304 |         | $ | 896,671   |           | $ | 460,588   |         | $ | 254,006 |         | $ | 187,843 |         | $ | 192,536
|                               | Preferred stock dividend requirements                                                                             |                                                        |   |        |         |   |          |           |   |          |         |   |        |         |   | 1,636   |         |   | 7,397  
|                               |                                                                                                                   |                                                        |   |         |         |   |           |           |   |           |         |  
|                               | Fixed charges and preferred stock dividend requirements, including interest on deposits, for computation purposes |                                                        | $ | 231,304 |         | $ | 896,671   |           | $ | 460,588   |         | $ | 254,006 |         | $ | 189,479 |         | $ | 199,932
|                               |                                                                                                                   |                                                        |   |         |         |   |           |           |   |           |         |  
|                               | Ratio of earnings to fixed charges and preferred stock dividend requirements, including interest on deposits      |                                                        |   | 2.63    |         |   | 2.21      |           |   | 2.99      |         |   | 2.93    |         |   | 2.63    |         |   | 2.25   
|Excluding Interest On Deposits |                                                                                                                   |                                                        |   |         |         |   |           |           |   |           |         |   |         |         |   |         |         |  
|                               | Earnings:                                                                                                         |                                                        |   |         |         |   |           |           |   |           |         |   |         |         |   |         |         |   |        
|                               |                                                                                                                   | Income before income taxes                             |   | $       | 377,858 |   | $         | 1,086,222 |   | $         | 917,425 |   | $       | 490,563 |   | $       | 311,300 |   | $      
|                               |                                                                                                                   | Fixed charges                                          |   |         | 25,837  |   |           | 83,685    |   |           | 103,852 |   |         | 49,671  |   |         | 23,591  |   |        
|                               |                                                                                                                   |                                                        |   |         |         |   |           |           |   |           |         |  
|                               | Earnings, for computation purposes                                                                                |                                                        | $ | 403,695 |         | $ | 1,169,907 |           | $ | 1,021,277 |         | $ | 540,234 |         | $ | 334,891 |         | $ | 309,426
|                               |                                                                                                                   |                                                        |   |         |         |   |           |           |   |           |         |  
|                               | Fixed Charges and Preferred Stock:                                                                                |                                                        |   |         |         |   |           |           |   |           |         |   |         |         |   |         |         |   |        
|                               |                                                                                                                   | Dividend Requirements                                  |   |         |         |   |           |           |   |           |         |   |         |         |   |         |         |   |        
|                               |                                                                                                                   | Interest on borrowings                                 |   | $       | 19,582  |   | $         | 62,188    |   | $         | 92,334  |   | $       | 42,931  |   | $       | 18,858  |   | $      
|                               |                                                                                                                   | Portion of rents representative of the interest factor |   |         | 6,255   |   |           | 21,497    |   |           | 11,518  |   |         | 6,740   |   |         | 4,733   |   |        
|                               |                                                                                                                   |                                                        |   |         |         |   |           |           |   |           |         |  
|                               | Fixed charges, excluding interest on deposits, for computation purposes                                           |                                                        | $ | 25,837  |         | $ | 83,685    |           | $ | 103,852   |         | $ | 49,671  |         | $ | 23,591  |         | $ | 52,175 
|                               | Preferred stock dividend requirements                                                                             |                                                        |   |        |         |   |          |           |   |          |         |   |        |         |   | 1,636   |         |   | 7,397  
|                               |                                                                                                                   |                                                        |   |         |         |   |           |           |   |           |         |  
|                               | Fixed charges and preferred stock dividend requirements, excluding interest on deposits, for computation purposes |                                                        | $ | 25,837  |         | $ | 83,685    |           | $ | 103,852   |         | $ | 49,671  |         | $ | 25,227  |         | $ | 59,571 
|                               |                                                                                                                   |                                                        |   |         |         |   |           |           |   |           |         |  
|                               | Ratio of earnings to fixed charges and preferred stock dividend requirements, excluding interest on deposits      |                                                        |   | 15.62   |         |   | 13.98     |           |   | 9.83      |         |   | 10.88   |         |   | 13.28   |         |   | 5.19   

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