<DOCUMENT>
<TYPE>EX-11.1
<SEQUENCE>3
<FILENAME>doc2.txt
<TEXT>

EXHIBIT (11.1)----STATEMENT RE:  COMPUTATION OF DILUTED EARNINGS PER SHARE

Diluted  earnings per share computations assume the exercise of stock options to
purchase  shares  of common stock. The shares assumed exercised are based on the
weighted  average  number  of shares under options outstanding during the period
and  only  include  those  options for which the exercise price is less than the
average  share  price  during the period. The net additional shares issuable are
calculated  based  on  the  treasury  stock method and are added to the weighted
average  number  of  shares  outstanding  during  the  period.

<TABLE>
<CAPTION>

DILUTED EARNINGS PER SHARE FOR THE PERIOD ENDED JUNE 30, 2003     Three Months     Six Months
-------------------------------------------------------------      ----------      ----------
<S>                                                               <C>             <C>
Actual net income (A)                                             $ 4,046,569     $ 6,864,137
                                                                   ==========      ==========

Assumed exercise of stock options and warrants                        380,396         377,353
Application of assumed proceeds ($7,988,524 and $7,900,471)
  toward repurchase of outstanding common stock at an average
  market price of $23.647 and $23.943, respectively.                 (337,824)       (329,970)
                                                                   ----------      ----------
Net additional shares issuable                                         42,572          47,383
                                                                   ==========      ==========

Adjustment of shares outstanding:
  Weighted average common shares outstanding                       11,289,811      11,288,290
  Net additional shares issuable                                       42,572          47,383
                                                                   ----------      ----------
  Adjusted shares outstanding (B)                                  11,332,383      11,335,673
                                                                   ==========      ==========
Net income per common share (A) divided by (B)                    $      0.36     $      0.61
                                                                   ==========      ==========


DILUTED EARNINGS PER SHARE FOR THE PERIOD ENDED JUNE 30, 2002     Three Months     Six Months
-------------------------------------------------------------      ----------      ----------
<S>                                                               <C>             <C>
Actual net income (A)                                             $ 5,033,511     $ 8,639,601
                                                                   ==========      ==========

Assumed exercise of stock options and warrants                         94,934          95,193
Application of assumed proceeds ($990,519 and $965,333)
  toward repurchase of outstanding common stock at an average
  market price of $24.930 and $21.915, respectively.                  (39,732)        (44,049)
                                                                   ----------      ----------
Net additional shares issuable                                         55,202          51,144
                                                                   ==========      ==========

Adjustment of shares outstanding:
  Weighted average common shares outstanding                       11,182,537      10,061,271
  Net additional shares issuable                                       55,202          51,144
                                                                   ----------      ----------
  Adjusted shares outstanding (B)                                  11,237,739      10,112,415
                                                                   ==========      ==========
Net income per common share (A) divided by (B)                    $      0.45     $      0.85
                                                                   ==========      ==========
</TABLE>


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