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Exhibit 11

SCHEDULE OF COMPUTATION OF NET INCOME PER SHARE

|                                                |                                                                                              |   |            |            |      |   |            |            |  |   |            |            | 
|----------------------------------------------- | -------------------------------------------------------------------------------------------- | - | ---------- | ---------- | ---- | - | ---------- | ---------- |  | - | ---------- | ---------- | 
|                                                |                                                                                              |   | 2002       |            | 2001 |   | 2000      
|                                                |                                                                                              |   |            |            |      |   |           
|BASIC EARNINGS PER SHARE                        |                                                                                              |   |            |            |      |   |            |            |  |   |            |           
|Net income                                      |                                                                                              | $ | 15,102,300 |            |      | $ | 13,808,555 |            |  | $ | 15,574,583 |           
|                                                |                                                                                              |   |            |            |      |   |            |            |  |   |            |           
|Divide by: Weighted average shares outstanding* |                                                                                              |   | 13,547,299 |            |      |   | 13,897,764 |            |  |   | 14,161,633 |           
|                                                |                                                                                              |   |            |            |      |   |            |            |  |   |            |           
|Basic earnings per share*                       |                                                                                              | $ | 1.11       |            |      | $ | 0.99       |            |  | $ | 1.10       |           
|                                                |                                                                                              |   |            |            |      |   |            |            |  |   |            |           
|DILUTED EARNINGS PER SHARE                      |                                                                                              |   |            |            |      |   |            |            |  |   |            |           
|Net income                                      |                                                                                              | $ | 15,102,300 |            |      | $ | 13,808,555 |            |  | $ | 15,574,583 |           
|                                                |                                                                                              |   |            |            |      |   |            |            |  |   |            |           
|Divide
by: Weighted average shares outstanding* |                                                                                              |   | 13,547,299 |            |      |   | 13,897,764 |            |  |   | 14,161,633 |           
|                                                | Potentially dilutive effect of stock options*                                                |   |            | 5,270      |      |   |            | 2,363      |  |   |            | 12,635     | 
|                                                |                                                                                              |   |            |            |      |   |            |            |  |   |            |           
|                                                | Weighted average shares outstanding,
including potentially dilutive effect of
stock options* |   |            | 13,552,569 |      |   |            | 13,900,127 |  |   |            | 14,174,268 | 
|                                                |                                                                                              |   |            |            |      |   |            |            |  |   |            |           
|Diluted earnings per share*                     |                                                                                              | $ | 1.11       |            |      | $ | 0.99       |            |  | $ | 1.10       |           
|                                                |                                                                                              |   |            |            |      |   |            |            |  |   |            |           



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|* |  | Amounts for periods prior to May 31, 2002 have been restated to reflect the
5-for-4 stock split paid May 31, 2002.
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