Exhibit 11

**COMPUTATION OF EARNINGS PERCOMMON SHARE(Unaudited)(in thousands, except per share amounts)**
|                 | **Three Months Ended**                                            |   | **Six Months Ended** |   |
|----------------------|-------------------------------------------------------------------|--------|----------------------|--------|
|                 | **June 30,**                                                      |   | **June 30,**         |   |
|                 | **2001**                                                          |   | **2000**             |   | **2001** |   | **2000** | ** ** |
|                 | ****                                                              |   | ****                 |   | **** |   | **** |   |
| **Basic Earnings**   |                                                              |   |                 |   |   |   |   |   |
|                 | Income before extraordinary Items                                 | $      | 20,732               |   | $ | 24,397 |   | $ | 30,336 |   | $ | 35,154 |   |
|                 | Extraordinary items - loss on  discharge of indebtedness          | (110   | )                    | --     |   | (110 | ) | (302 | ) |
|                 |                                                              |        |                 |        |   |  |   |  |   |
|                 | Net earnings                                                      | $      | 20,622               |   | $ | 24,397 |   | $ | 30,226 |   | $ | 34,852 |   |
|                 |                                                              |        |                 |        |   |  |   |  |   |
|                 |                                                              |   |                 |   |   |   |   |   |
|                 | Shares:                                                           |   |                 |   |   |   |   |   |   |
|                 | Weighted average number of common  shares outstanding             | 44,636 |                 | 45,120 |   | 44,780 |   | 46,536 |   |
|                 |                                                              |        |                 |        |   |  |   |  |   |
|                 |                                                              |   |                 |   |   |   |   |   |
|                 | Basic earnings per common share:                                  |   |                 |   |   |   |   |   |   |
|                 | Income before extraordinary items                                 | $      | 0.46                 |   | $ | 0.54 |   | $ | 0.68 |   | $ | 0.75 |   |
|                 | Extraordinary items - loss on  discharge of indebtedness          | --     |                 | --     |   | -- |   | -- |   |
|                 |                                                              |        |                 |        |   |  |   |  |   |
|                 | Net earnings                                                      | $      | 0.46                 |   | $ | 0.54 |   | $ | 0.68 |   | $ | 0.75 |   |
|                 |                                                              |        |                 |        |   |  |   |  |   |
|                 |                                                              |   |                 |   |   |   |   |   |
| **Diluted Earnings** |                                                              |   |                 |   |   |   |   |   |
|                 | Income before extraordinary items                                 | $      | 20,732               |   | $ | 24,397 |   | $ | 30,336 |   | $ | 35,154 |   |
|                 | Extraordinary items - loss on  discharge of indebtedness          | (110   | )                    | --     |   | (110 | ) | (302 | ) |
|                 |                                                              |        |                 |        |   |  |   |  |   |
|                 | Net  earnings as adjusted                                         | $      | 20,622               |   | $ | 24,397 |   | $ | 30,226 |   | $ | 34,852 |   |
|                 |                                                              |        |                 |        |   |  |   |  |   |
|                 |                                                              |   |                 |   |   |   |   |   |
|                 | Shares:                                                           |   |                 |   |   |   |   |   |   |
|                 | Weighted average number of common  shares outstanding             | 44,636 |                 | 45,120 |   | 44,780 |   | 46,536 |   |
|                 | Options issued                                                    | 1,061  |                 | 733    |   | 1,209 |   | 695 |   |
|                 |                                                              |        |                 |        |   |  |   |  |   |
|                 | Weighted average number of common  shares outstanding as adjusted | 45,697 |                 | 45,853 |   | 45,989 |   | 47,231 |   |
|                 |                                                              |        |                 |        |   |  |   |  |   |
|                 |                                                              |   |                 |   |   |   |   |   |
|                 | Diluted earnings per common  share:                               |   |                 |   |   |   |   |   |   |
|                 | Income before extraordinary items                                 | $      | 0.45                 |   | $ | 0.53 |   | $ | 0.66 |   | $ | 0.74 |   |
|                 | Extraordinary items - loss on  discharge of indebtedness          | --     |                 | --     |   | -- |   | -- |   |
|                 |                                                              |        |                 |        |   |  |   |  |   |
|                 | Net earnings                                                      | $      | 0.45                 |   | $ | 0.53 |   | $ | 0.66 |   | $ | 0.74 |   |
|                 |                                                                   |   |                      |   |  |   |  |   |
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