Exhibit 11

Computations of Earnings Per Common Share

|                                                  |                                                                      |                                       |   |        |  |           |       |        |  |        |   |           |  |  |   |       |  |  |     |        |  |  |   |      | 
|------------------------------------------------- | -------------------------------------------------------------------- | ------------------------------------- | - | ------ |  | --------- | ----- | ------ |  | ------ | - | --------- |  |  | - | ----- |  |  | --- | ------ |  |  | - | ---- | 
|                                                  |                                                                      |                                       |   |       
|                                                  |                                                                      | 2000                                  |   | 2001  
|                                                  |                                                                      |                                       |   |       
|                                                  |                                                                      | Net                                   |   |        |  | Per Share |       | Net    |  |        |   | Per Share
|                                                  |                                                                      | Income                                |   | Shares |  | Amount    |       | Income |  | Shares |   | Amount   
|                                                  |                                                                      |                                       |   |        |  |           |       |        |  |        |   |          
|                                                  |                                                                      |                                      
|                                                  |                                                                      | (in thousands, except per share data)
|Basic EPS                                         |                                                                      |                                       |   |        |  |           |       |        |  |        |   |           |  |  |   |       |  |  |     |        |  |  |   |     
|                                                 
|                                                 
|                                                 
|                                                 
|                                                  | Net income available to common shareholders                          |                                       | $ | 12,828 |  |           |       | 20,160 |  |        | $ | 0.64      |  |  | $ | 3,084 |  |  |     | 20,494 |  |  | $ | 0.15 | 
|                                                  |                                                                      |                                       |   |        |  |           |       |        |  |        |   |           |  |  |   |       |  |  |     |        |  |  |   |     
|Effect of Dilutive Securities
	Stock option plans |                                                                      |                                       |   |        |  |           | 2,444 |        |  |        |   |           |  |  |   |       |  |  | 695 |        |  |  |   |     
|                                                  |                                                                      |                                       |   |        |  |           |       |        |  |        |   |           |  |  |   |       |  |  |     |        |  |  |   |     
|Dilutive EPS                                      |                                                                      |                                       |   |        |  |           |       |        |  |        |   |           |  |  |   |       |  |  |     |        |  |  |   |     
|                                                 
|                                                 
|                                                 
|                                                 
|                                                  | Net income available to common shareholders and assumed
	conversions |                                       | $ | 12,828 |  |           |       | 22,604 |  |        | $ | 0.57      |  |  | $ | 3,084 |  |  |     | 21,189 |  |  | $ | 0.15 | 
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