Exhibit 12. Statement re:



Computation of Ratio of Earnings to Fixed Charges



|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|-------------------------------------------------------------------- |  | ---------------------- |  | ---------------------- | - |  | ---------------------- | - |  | ---------------------- | - |  | ---------------------- | - |  | ---------------------- | -
|                                                                     |  | Year EndedDecember 31, |  | Year EndedDecember 31, |   |  | Year EndedDecember 31, |   |  | Year EndedDecember 31, |   |  | Year EndedDecember 31, |   |  | Year EndedDecember 31, |  
|                                                                     |  | 2003                   |  | 2002                   |   |  | 2001                   |   |  | 2000                   |   |  | 1999                   |   |  | 1998                   |  
|                                                                     |  |                        |  | restated               |   |  |                        |   |  |                        |   |  |                        |  
|Inclusive of interest on deposits:                                   |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Earnings:                                                            |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Pre-tax income                                                       |  | 130,914                |  | 114,746                |   |  | 94,941                 |   |  | 88,870                 |   |  | 82,755                 |   |  | 62,495                 |  
|Add: Fixed charges                                                   |  | 140,588                |  | 174,092                |   |  | 215,854                |   |  | 218,375                |   |  | 169,546                |   |  | 151,728                |  
|Less: Interest capitalized                                           |  |                       |  | (96                    | ) |  | (168                   | ) |  | (256                   | ) |  | (536                   | ) |  | (267                   | )
|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Earnings                                                             |  | 271,502                |  | 288,742                |   |  | 310,627                |   |  | 306,989                |   |  | 251,765                |   |  | 213,956                |  
|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Fixed charges:                                                       |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Interest on deposits                                                 |  | 61,011                 |  | 90,963                 |   |  | 120,664                |   |  | 115,509                |   |  | 99,665                 |   |  | 95,788                 |  
|Interest on borrowed funds                                           |  | 75,941                 |  | 80,502                 |   |  | 93,825                 |   |  | 101,664                |   |  | 68,736                 |   |  | 54,787                 |  
|Rent expense                                                         |  | 3,636                  |  | 2,627                  |   |  | 1,365                  |   |  | 1,202                  |   |  | 1,145                  |   |  | 1,153                  |  
|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Fixed charges                                                        |  | 140,588                |  | 174,092                |   |  | 215,854                |   |  | 218,375                |   |  | 169,546                |   |  | 151,728                |  
|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Ratio of earnings to fixed charges inclusive of interest on deposits |  | 1.93                   |  | 1.66                   |   |  | 1.44                   |   |  | 1.41                   |   |  | 1.48                   |   |  | 1.41                   |  
|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Exclusive of interest on deposits:                                   |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Earnings:                                                            |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Pre-tax income                                                       |  | 130,914                |  | 114,746                |   |  | 94,941                 |   |  | 88,870                 |   |  | 82,755                 |   |  | 62,495                 |  
|Add: Fixed charges                                                   |  | 79,577                 |  | 83,129                 |   |  | 95,190                 |   |  | 102,866                |   |  | 69,881                 |   |  | 55,940                 |  
|Less: Interest capitalized                                           |  |                       |  | (96                    | ) |  | (168                   | ) |  | (256                   | ) |  | (536                   | ) |  | (267                   | )
|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Earnings                                                             |  | 210,491                |  | 197,779                |   |  | 189,963                |   |  | 191,480                |   |  | 152,100                |   |  | 118,168                |  
|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Fixed charges:                                                       |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Interest on deposits                                                 |  |                       |  |                       |   |  |                       |   |  |                       |   |  |                       |   |  |                       |  
|Interest on borrowed funds                                           |  | 75,941                 |  | 80,502                 |   |  | 93,825                 |   |  | 101,664                |   |  | 68,736                 |   |  | 54,787                 |  
|Rent expense                                                         |  | 3,636                  |  | 2,627                  |   |  | 1,365                  |   |  | 1,202                  |   |  | 1,145                  |   |  | 1,153                  |  
|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Fixed charges                                                        |  | 79,577                 |  | 83,129                 |   |  | 95,190                 |   |  | 102,866                |   |  | 69,881                 |   |  | 55,940                 |  
|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |  
|Ratio of earnings to fixed charges exclusive of interest on deposits |  | 2.65                   |  | 2.38                   |   |  | 2.00                   |   |  | 1.86                   |   |  | 2.18                   |   |  | 2.11                   |  
|                                                                     |  |                        |  |                        |   |  |                        |   |  |                        |   |  |                        |   |  |                        |