Exhibit 11. COMPUTATION OF PER SHARE EARNINGS



|                                     |  | Nine Months Ended September 30,
|------------------------------------ |  | -------------------------------
|                                     |  | 2003                           
|Net Income                           |  | $                              
|                                     |  |                                
|                                     |  |                                
|Average Shares Outstanding           |  |                                
|                                     |  |                                
|                                     |  |                                
|Basic Earnings Per Share             |  | $                              
|                                     |  |                                
|                                     |  |                                
|Net Income                           |  | $                              
|                                     |  |                                
|                                     |  |                                
|Average Shares Outstanding           |  |                                
|Net Effect of Dilutive Stock Options |  |                                
|                                     |  |                                
|                                     |  |                                
|Adjusted Shares Outstanding          |  |                                
|                                     |  |                                
|                                     |  |                                
|Diluted Earnings Per Share           |  | $                              
|                                     |  |                                



|                                     |  | Three Months Ended September 30,
|------------------------------------ |  | --------------------------------
|                                     |  | 2003                            
|Net Income                           |  | $                               
|                                     |  |                                 
|                                     |  |                                 
|Average Shares Outstanding           |  |                                 
|                                     |  |                                 
|                                     |  |                                 
|Basic Earnings Per Share             |  | $                               
|                                     |  |                                 
|                                     |  |                                 
|Net Income                           |  | $                               
|                                     |  |                                 
|                                     |  |                                 
|Average Shares Outstanding           |  |                                 
|Net Effect of Dilutive Stock Options |  |                                 
|                                     |  |                                 
|                                     |  |                                 
|Adjusted Shares Outstanding          |  |                                 
|                                     |  |                                 
|                                     |  |                                 
|Diluted Earnings Per Share           |  | $                               
|                                     |  |