| **EXHIBIT                  11**                        |
|--------------------------------------------------------|
| **COMPUTATION                  OF EARNINGS PER SHARE** |
| **(In                  thousands, except share data)** |
| **(Unaudited)**                                        |

|                                                     |   |                                    |      |     |   |
|----------------------------------------------------------|--------|-----------------------------------------|-----------|----------|--------|
|                                                     |   | **Three                  Months Ended** |      |
|                                                     |   | **June                  30,**           |      |
|                                                     |   | **2006**                                |      | **2005** |   |
| Earnings                  per common share - basic       |   |                                    |      |     |   |
| Net                  income - basic                      |   | $                                       | 802       |     | $      | 840 |   |
|                                                     |   |                                    |      |     |   |   |   |
| Weighted                  average common shares          |   |                                    |      |     |   |   |   |
| outstanding                  - basic                     |   |                                    | 2,505,825 |     |   | 2,500,407 |   |
|                                                     |   |                                    |      |     |   |   |   |
| Earnings                  per common share - basic       |   | $                                       | 0.32      |     | $      | 0.34 |   |
|                                                     |   |                                    |      |     |   |   |   |
|                                                     |   |                                    |      |     |   |   |   |
| Earnings                  per common share - diluted     |   |                                    |      |     |   |   |   |
| Net                  income - basic and diluted          |   | $                                       | 802       |     | $      | 840 |   |
|                                                     |   |                                    |      |     |   |   |   |
| Weighted                  average common shares          |   |                                    |      |     |   |   |   |
| outstanding                  - basic                     |   |                                    | 2,505,825 |     |   | 2,500,407 |   |
| Effect                  of dilutive securities - options |   |                                    | 61,675    |     |   | 67,237 |   |
| Weighted                  average shares                 |   |                                    |      |     |   |   |   |
| outstanding                  - diluted                   |   |                                    | 2,567,500 |     |   | 2,567,644 |   |
|                                                     |   |                                    |      |     |   |   |   |
| Earnings                  per common share-diluted       |   | $                                       | 0.31      |     | $      | 0.33 |   |

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