##### 



Exhibit 11.0

Statement re: Computation of Per Share Earnings (Unaudited)

Earnings per share were computed as follows (dollar amounts in
thousands except share data):

|                                        |                                                                 |  |        |       |  |        |          |           |        |           |   |      | 
|--------------------------------------- | --------------------------------------------------------------- |  | ------ | ----- |  | ------ | -------- | --------- | ------ | --------- | - | ---- | 
|                                        |                                                                 |  |        |       |  |        | Weighted |           |        |           |   |     
|                                        |                                                                 |  |        |       |  |        | Average  |           |        | Per Share |  
|                                        |                                                                 |  | Income |       |  | Shares |          |           | Amount |          
|                                        |                                                                 |  |        |       |  |        |          |           |        |          
|For the six month ended June 30, 2002:  |                                                                 |  |        |       |  |        |          |           |        |           |   |     
|Basic Earnings per Share:               |                                                                 |  |        |       |  |        |          |           |        |           |   |     
|                                        | Income available to common stockholders                         |  | $      | 1,397 |  |        |          | 1,470,907 |        |           | $ | 0.95 | 
|Effect of Dilutive Securities:          |                                                                 |  |        |       |  |        |          |           |        |           |   |     
|                                        | Stock options                                                   |  |        |       |  |        |          | 118,723   |        |           |   |      | 
|                                        |                                                                 |  |        |       |  |        |          |           |        |           |  
|Diluted Earnings per Share:             |                                                                 |  |        |       |  |        |          |           |        |           |   |     
|                                        | Income available to common stockholders and
assumed conversions |  | $      | 1,397 |  |        |          | 1,589,630 |        |           | $ | 0.88 | 
|                                        |                                                                 |  |        |       |  |        |          |           |       
|                                       
|For the six months ended June 30, 2001: |                                                                 |  |        |       |  |        |          |           |        |           |   |     
|Basic Earnings per Share:               |                                                                 |  |        |       |  |        |          |           |        |           |   |     
|                                        | Income available to common stockholders                         |  | $      | 1,148 |  |        |          | 1,499,236 |        |           | $ | 0.77 | 
|Effect of Dilutive Securities:          |                                                                 |  |        |       |  |        |          |           |        |           |   |     
|                                        | Stock options                                                   |  |        |       |  |        |          | 38,664    |        |           |   |      | 
|                                        | Unearned incentive plan shares                                  |  |        |       |  |        |          | 13,804    |        |           |   |      | 
|                                        |                                                                 |  |        |       |  |        |          |           |        |           |  
|Diluted Earnings per Share:             |                                                                 |  |        |       |  |        |          |           |        |           |   |     
|                                        | Income available to common stockholders and
assumed conversions |  | $      | 1,148 |  |        |          | 1,551,704 |        |           | $ | 0.74 | 
|                                        |                                                                 |  |        |       |  |        |          |           |       

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|                                          |                                                                 |  |        |     |  |        |          |           |           |  |   |      | 
|----------------------------------------- | --------------------------------------------------------------- |  | ------ | --- |  | ------ | -------- | --------- | --------- |  | - | ---- | 
|                                          |                                                                 |  |        |     |  |        | Weighted |           |           |  |   |     
|                                          |                                                                 |  |        |     |  |        | Average  |           | Per Share | 
|                                          |                                                                 |  | Income |     |  | Shares |          | Amount    |          
|                                          |                                                                 |  |        |     |  |        |          |           |          
|For the three month ended June 30, 2002:  |                                                                 |  |        |     |  |        |          |           |           |  |   |     
|Basic Earnings per Share:                 |                                                                 |  |        |     |  |        |          |           |           |  |   |     
|                                          | Income available to common stockholders                         |  | $      | 692 |  |        |          | 1,476,678 |           |  | $ | 0.47 | 
|Effect of Dilutive Securities:            |                                                                 |  |        |     |  |        |          |           |           |  |   |     
|                                          | Stock options                                                   |  |        |     |  |        |          | 121,253   |           |  |   |      | 
|Diluted Earnings per Share:               |                                                                 |  |        |     |  |        |          |           |           |  |   |     
|                                          | Income available to common stockholders and
assumed conversions |  | $      | 692 |  |        |          | 1,597,931 |           |  | $ | 0.43 | 
|                                          |                                                                 |  |        |     |  |        |          |           |          
|                                         
|For the three months ended June 30, 2001: |                                                                 |  |        |     |  |        |          |           |           |  |   |     
|Basic Earnings per Share:                 |                                                                 |  |        |     |  |        |          |           |           |  |   |     
|                                          | Income available to common stockholders                         |  | $      | 582 |  |        |          | 1,505,681 |           |  | $ | 0.39 | 
|Effect of Dilutive Securities:            |                                                                 |  |        |     |  |        |          |           |           |  |   |     
|                                          | Stock options                                                   |  |        |     |  |        |          | 63,598    |           |  |   |      | 
|                                          | Unearned incentive plan shares                                  |  |        |     |  |        |          | 11,142    |           |  |   |      | 
|                                          |                                                                 |  |        |     |  |        |          |           |           |  |  
|Diluted Earnings per Share:               |                                                                 |  |        |     |  |        |          |           |           |  |   |     
|                                          | Income available to common stockholders and
assumed conversions |  | $      | 582 |  |        |          | 1,580,421 |           |  | $ | 0.37 | 
|                                          |                                                                 |  |        |     |  |        |          |           |          

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