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, 2002	9,444,258		9,588,205	$	1,334,181	$	0.14	$	0.14
3 months ended September 30, 2003	9,580,091		9,880,404	$	1,756,873	$	0.18	$	0.18
3 months ended September 30, 2002	Basic			Diluted
Average Shares Outstanding	9,444,258				9,444,258
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			16,983
Average Option Price		$	5.09
Total Exercise Cost		$	86,443
Shares Repurchased			8,839
Net Shares from Option – Plan 2					8,144
Options – Plan 3			444,410
Average Option Price		$	6.88
Total Exercise Cost		$	3,057,541
Shares Repurchased			312,632
Net Shares from Option – Plan 3					131,778
Options – Plan 4			451,361
Average Option Price		$	12.59
Total Exercise Cost		$	5,682,635
Shares Repurchased			581,047
Net Shares from Option – Plan 4					0
Options – Plan 5 – Omnibus			82,004
Average Option Price		$	9.30
Total Exercise Cost		$	762,637
Shares Repurchased			77,979
Net Shares from Option – Plan 5					4,025
Options – EFA Non-qualified			92,226
Average Option Price		$	10.18
Total Exercise Cost		$	938,861
Shares Repurchased			95,998
Net Shares from Option – EFA Non-qualified					0
Options – CGB Qualified			33,433
Average Option Price		$	10.45
Total Exercise Cost		$	349,375
Shares Repurchased			35,723
Net Shares from Option – CGB Qualified					0
Options – CGB Non-qualified			15,428
Average Option Price		$	11.67
Total Exercise Cost		$	180,045
Shares Repurchased			18,409
Net Shares from Option – CGB Non-qualified					0
Options – Moneta			187,254
Average Option Price		$	12.44
Total Exercise Cost		$	2,329,440
Shares Repurchased			238,184
Net Shares from Option – Moneta					0
Stock Appreciation Rights			69,200
Average Stock Appreciation Rights Price		$	12.05
Total Exercise Cost		$	833,860
Shares Repurchased			85,262
Net Shares from Stock Appreciation Rights					0
Gross Shares	9,444,258				9,588,205
Price		$	9.78

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3 months ended September 30, 2003	Basic			Diluted
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 Stock Appreciation Rights Price		$	12.06
Total Exercise Cost		$	776,821
Shares Repurchased			58,984
Net Shares from Stock Appreciation Rights				5,429
Gross Shares	9,580,091			9,880,404
Price		$	13.17

Moneta options are antidilutive due to the impact of adjusting net income for the expense associated with the plan for the quarter.

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	Basic EPS number of shares	Diluted EPS number of shares		Net Income		Basic EPS		Diluted EPS
9 months ended September 30, 2002	9,381,389		9,580,300	$	3,654,781	$	0.39	$	0.38
9 months ended September 30, 2003	9,554,540		9,861,025	$	5,490,343	$	0.57	$	0.56
9 months ended September 30, 2002	Basic			Diluted
Average Shares Outstanding	9,381,389				9,381,389
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			72,368
Average Option Price		$	2.98
Total Exercise Cost		$	215,657
Shares Repurchased			21,184
Net Shares from Option – Plan 2					51,184
Options – Plan 3			451,080
Average Option Price		$	6.90
Total Exercise Cost		$	3,112,452
Shares Repurchased			305,742
Net Shares from Option – Plan 3					145,338
Options – Plan 4			433,473
Average Option Price		$	12.84
Total Exercise Cost		$	5,565,793
Shares Repurchased			546,738
Net Shares from Option – Plan 4					0
Options – Plan 5 – Omnibus			27,635
Average Option Price		$	9.30
Total Exercise Cost		$	257,006
Shares Repurchased			25,246
Net Shares from Option – Plan 5					2,389
Options – EFA Non–qualified			87,766
Average Option Price		$	10.19
Total Exercise Cost		$	894,336
Shares Repurchased			87,852
Net Shares from Option – EFA Non-qualified					0
Options – CGB Qualified			43,853
Average Option Price		$	10.65
Total Exercise Cost		$	467,034
Shares Repurchased			45,878
Net Shares from Option – CGB Qualified					0
Options – CGB Non–qualified			34,863
Average Option Price		$	10.99
Total Exercise Cost		$	383,144
Shares Repurchased			37,637
Net Shares from Option – CGB Non-qualified					0
Options – Moneta			187,492
Average Option Price		$	12.44
Total Exercise Cost		$	2,332,400
Shares Repurchased			229,116
Net Shares from Option – Moneta					0
Stock Appreciation Rights			70,789
Average Stock Appreciation Rights Price		$	12.15
Total Exercise Cost		$	860,086
Shares Repurchased			84,488
Net Shares from Stock Appreciation Rights					0
Gross Shares	9,381,389				9,580,300
Price		$	10.18

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9 months ended September 30, 2003	Basic			Diluted
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 Stock Appreciation Rights Price		$	11.99
Total Exercise Cost		$	796,448
Shares Repurchased			60,200
Net Shares from Stock Appreciation Rights				0
Gross Shares	9,554,540			9,861,025
Price		$	13.23

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

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