EXHIBIT 11.0
COMPUTATION OF PER SHARE EARNINGS

|                                                                                                                                                  |                          |   |                                       |     |      |   |       |     | 
|------------------------------------------------------------------------------------------------------------------------------------------------- | ------------------------ | - | ------------------------------------- | --- | ---- | - | ----- | --- | 
|                                                                                                                                                  |                          |   | Three Months Ended                   
|                                                                                                                                                  |                          |   | March 31,                            
|                                                                                                                                                  |                          |   |                                      
|                                                                                                                                                  |                          |   | 2000                                  |     | 1999
|                                                                                                                                                  |                          |   |                                       |     |     
|                                                                                                                                                  |                          |   | (In thousands, except per share data)
|                                                                                                                                                 
|Net income (loss)                                                                                                                                 |                          | $ | 32                                    |     |      | $ | (10   | )  
|                                                                                                                                                  |                          |   |                                       |     |      |   |       |    
|Average shares outstanding                                                                                                                        |                          |   | 285                                   |     |      |   | 365   |    
|                                                                                                                                                  |                          |   |                                       |     |      |   |       |    
|Per share amount                                                                                                                                  |                          | $ | 0.11                                  |     |      | $ | (0.03 | )  
|                                                                                                                                                  |                          |   |                                       |     |      |   |       |    
|Net income (loss)                                                                                                                                 |                          | $ | 32                                    |     |      | $ | (10   | )  
|                                                                                                                                                  |                          |   |                                       |     |      |   |       |    
|Average shares outstanding                                                                                                                        |                          |   | 285                                   |     |      |   | 365   |    
|                                                                                                                                                 
|                                                                                                                                                 
|                                                                                                                                                 
|                                                                                                                                                 
|Net effect of dilutive stock options based on the treasury stock
method using the average market price or quarter end price,
whichever is greater |                          |   | 12                                    |     |      |   | 12    |    
|                                                                                                                                                  |                          |   |                                       |     |      |   |       |    
|                                                                                                                                                  | Total shares outstanding |   |                                       | 297 |      |   |       | 377 | 
|                                                                                                                                                  |                          |   |                                       |     |      |   |       |    
|Per share amount                                                                                                                                  |                          | $ | 0.11                                  |     |      | $ | (0.03 | )  
|                                                                                                                                                  |                          |   |                                       |     |      |   |       |    

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