Statement Regarding Computation

EXHIBIT 11.1

Statement Regarding Calculation of Earnings Per Share


	Basic EPS number of shares	Diluted EPS number of shares		Net Income		Basic EPS		Diluted EPS
3 months ended September 30, 2003	9,580,091		9,880,404	$	1,756,873	$	0.18	$	0.18
3 months ended September 30, 2004	9,723,695		10,074,329	$	2,853,729	$	0.29	$	0.28

	Basic			Diluted
3 months ended September 30, 2003
Average Shares Outstanding	9,580,091				9,580,091
Options - Plan 1			0
Average Option Price		$	0.00
Total Exercise Cost		$	0.00
Shares Repurchased			0
Net Shares from Option - Plan 1					0
Options - Plan 2			13,200
Average Option Price		$	5.88
Total Exercise Cost		$	77,616
Shares Repurchased			5,893
Net Shares from Option - Plan 2					7,307
Options - Plan 3			398,800
Average Option Price		$	6.90
Total Exercise Cost		$	2,751,720
Shares Repurchased			208,938
Net Shares from Option - Plan 3					189,862
Options - Plan 4			531,328
Average Option Price		$	12.12
Total Exercise Cost		$	6,439,695
Shares Repurchased			488,967
Net Shares from Option - Plan 4					42,361
Options - Plan 5 - Omnibus			435,601
Average Option Price		$	12.22
Total Exercise Cost		$	5,323,044
Shares Repurchased			404,180
Net Shares from Option - Plan 5					31,421
Options - EFA Non-qualified			89,250
Average Option Price		$	10.13
Total Exercise Cost		$	904,103
Shares Repurchased			68,649
Net Shares from Option - EFA Non-qualified					20,601
Options - CGB Qualified			12,482
Average Option Price		$	10.62
Total Exercise Cost		$	132,559
Shares Repurchased			10,065
Net Shares from Option - CGB Qualified					2,417
Options - CGB Non-Qualified			8,036
Average Option Price		$	11.67
Total Exercise Cost		$	93,780
Shares Repurchased			7,121
Net Shares from Option - CGB Non-Qualified					915
Options - Moneta			186,496
Average Option Price		$	12.43
Total Exercise Cost		$	2,318,145
Shares Repurchased			176,017
Net Shares from Option - Moneta					0
Stock Appreciation Rights			64,413
Average SAR Price		$	12.06
Total Exercise Cost		$	776,821
Shares Repurchased			58,984
Net Shares from SARS					5,429

Gross Shares	9,580,091				9,880,404
Price		$	13.17

Moneta options are anti-dilutive due to the impact of adjusting net income for the expense associated with the plan during the quarter.


	Basic			Diluted
3 months ended September 30, 2004
Average Shares Outstanding	9,723,695			9,723,695
Options - Plan 1			0
Average Option Price		$	0.00
Total Exercise Cost		$	0.00
Shares Repurchased			0
Net Shares from Option - Plan 1				0
Options - Plan 2			13,200
Average Option Price		$	5.88
Total Exercise Cost		$	77,616
Shares Repurchased			5,364
Net Shares from Option - Plan 2				7,836
Options - Plan 3			289,400
Average Option Price		$	7.59
Total Exercise Cost		$	2,196,546
Shares Repurchased			151,800
Net Shares from Option - Plan 3				137,600
Options - Plan 4			546,863
Average Option Price		$	12.30
Total Exercise Cost		$	6,726,415
Shares Repurchased			464,852
Net Shares from Option - Plan 4				82,011
Options - Plan 5 - Omnibus			450,159
Average Option Price		$	12.25
Total Exercise Cost		$	5,514,448
Shares Repurchased			381,095
Net Shares from Option - Plan 5				69,064
Options - EFA Non-qualified			87,057
Average Option Price		$	10.11
Total Exercise Cost		$	880,146
Shares Repurchased			60,826
Net Shares from Option - EFA Non-qualified				26,231
Options - CGB Qualified			0
Average Option Price		$	0.00
Total Exercise Cost		$	0.00
Shares Repurchased			0
Net Shares from Option - CGB Qualified				0
Options - CGB Non-qualified			0
Average Option Price		$	0.00
Total Exercise Cost		$	0.00
Shares Repurchased			0
Net Shares from Option - CGB Non-qualified				0
Options - Moneta			186,496
Average Option Price		$	12.43
Total Exercise Cost		$	2,318,145
Shares Repurchased			160,204
Net Shares from Option - Moneta				26,292
Stock Appreciation Rights			8,933
Average Stock Appreciation Rights Price		$	11.88
Total Exercise Cost		$	106,124
Shares Repurchased			7,334
Net Shares from Stock Appreciation Rights				1,599

Gross Shares	9,723,695			10,074,329
Average Market Price		$	14.47


	Basic EPS number of shares	Diluted EPS number of shares		Net Income		Basic EPS		Diluted EPS
9 months ended September 30, 2003	9,554,540		9,861,025	$	5,490,343	$	0.57	$	0.56
9 months ended September 30, 2004	9,681,437		10,005,663	$	6,367,196	$	0.66	$	0.63

	Basic			Diluted
9 months ended September 30, 2003
Average Shares Outstanding	9,554,540				9,554,540
Options - Plan 1			0
Average Option Price		$	0.00
Total Exercise Cost		$	0.00
Shares Repurchased			0
Net Shares from Option - Plan 1					0
Options - Plan 2			13,200
Average Option Price		$	5.88
Total Exercise Cost		$	77,616
Shares Repurchased			5,867
Net Shares from Option - Plan 2					7,333
Options - Plan 3			400,833
Average Option Price		$	6.90
Total Exercise Cost		$	2,765,748
Shares Repurchased			209,051
Net Shares from Option - Plan 3					191,782
Options - Plan 4			537,651
Average Option Price		$	12.11
Total Exercise Cost		$	6,510,954
Shares Repurchased			492,136
Net Shares from Option - Plan 4					45,515
Options - Plan 5 - Omnibus			282,418
Average Option Price		$	11.62
Total Exercise Cost		$	3,281,697
Shares Repurchased			248,050
Net Shares from Option - Plan 5					34,368
Options - EFA Non-qualified			90,569
Average Option Price		$	10.13
Total Exercise Cost		$	917,464
Shares Repurchased			69,347
Net Shares from Option - EFA Non-qualified					21,222
Options - CGB Qualified			22,766
Average Option Price		$	10.70
Total Exercise Cost		$	243,596
Shares Repurchased			18,412
Net Shares from Option - CGB Qualified					4,354
Options - CGB Non-Qualified			12,961
Average Option Price		$	11.28
Total Exercise Cost		$	146,200
Shares Repurchased			11,051
Net Shares from Option - CGB Non-Qualified					1,910
Options - Moneta			186,496
Average Option Price		$	12.43
Total Exercise Cost		$	2,318,145
Shares Repurchased			175,219
Net Shares from Option - Moneta					0
Stock Appreciation Rights			66,426
Average SAR Price		$	11.99
Total Exercise Cost		$	796,448
Shares Repurchased			60,200
Net Shares from SARS					0

Gross Shares	9,554,540				9,861,025
Price		$	13.23

Moneta options and Stock Appreciation Rights are anti-dilutive due to the impact of adjusting net income for the expense associated with each plan during the nine months ended September 30, 2003.


	Basic			Diluted
9 months ended September 30, 2004
Average Shares Outstanding	9,681,437			9,681,437
Options - Plan 1			0
Average Option Price		$	0.00
Total Exercise Cost		$	0.00
Shares Repurchased			0
Net Shares from Option - Plan 1				0
Options - Plan 2			13,200
Average Option Price		$	5.88
Total Exercise Cost		$	77,616
Shares Repurchased			5,505
Net Shares from Option - Plan 2				7,695
Options - Plan 3			328,216
Average Option Price		$	7.37
Total Exercise Cost		$	2,418,952
Shares Repurchased			171,557
Net Shares from Option - Plan 3				156,659
Options - Plan 4			554,640
Average Option Price		$	12.30
Total Exercise Cost		$	6,822,072
Shares Repurchased			483,835
Net Shares from Option - Plan 4				70,805
Options - Plan 5 - Omnibus			456,068
Average Option Price		$	12.26
Total Exercise Cost		$	5,591,394
Shares Repurchased			396,553
Net Shares from Option - Plan 5				59,515
Options - EFA Non-qualified			88,514
Average Option Price		$	10.12
Total Exercise Cost		$	895,762
Shares Repurchased			63,529
Net Shares from Option - EFA Non-qualified				24,985
Options - CGB Qualified			665
Average Option Price		$	11.67
Total Exercise Cost		$	7,761
Shares Repurchased			550
Net Shares from Option - CGB Qualified				115
Options - CGB Non-qualified			0
Average Option Price		$	0.00
Total Exercise Cost		$	0.00
Shares Repurchased			0
Net Shares from Option - CGB Non-qualified				0
Options - Moneta			186,496
Average Option Price		$	12.43
Total Exercise Cost		$	2,318,145
Shares Repurchased			164,407
Net Shares from Option - Moneta				0
Stock Appreciation Rights			27,774
Average Stock Appreciation Rights Price		$	11.84
Total Exercise Cost		$	328,844
Shares Repurchased			23,322
Net Shares from Stock Appreciation Rights				4,452

Gross Shares	9,681,437			10,005,663
Average Market Price		$	14.10

Moneta options are anti-dilutive due to the impact of adjusting net income for the expense associated with the plan during the nine months ended September 30, 2004.