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 June 30, 2003	9,560,529		9,892,558	$	2,598,372	$	0.27	$	0.26
3 months ended June 30, 2004	9,680,006		9,987,261	$	1,986,881	$	0.21	$	0.20
	Basic			Diluted
3 months ended June 30, 2003
Average Shares Outstanding	9,560,529				9,560,529
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			5,758
Net Shares from Option - Plan 2					7,442
Options - Plan 3			398,800
Average Option Price		$	6.90
Total Exercise Cost		$	2,751,720
Shares Repurchased			204,134
Net Shares from Option - Plan 3					194,667
Options - Plan 4			526,362
Average Option Price		$	12.11
Total Exercise Cost		$	6,374,244
Shares Repurchased			472,867
Net Shares from Option - Plan 4					53,495
Options - Plan 5 - Omnibus			275,423
Average Option Price		$	11.59
Total Exercise Cost		$	3,192,153
Shares Repurchased			236,807
Net Shares from Option - Plan 5					38,616
Options - EFA Non-qualified			89,250
Average Option Price		$	10.13
Total Exercise Cost		$	904,103
Shares Repurchased			67,070
Net Shares from Option - EFA Non-qualified					22,180
Options - CGB Qualified			26,750
Average Option Price		$	10.14
Total Exercise Cost		$	271,245
Shares Repurchased			20,122
Net Shares from Option - CGB Qualified					6,628
Options - CGB Non-Qualified			8,572
Average Option Price		$	11.67
Total Exercise Cost		$	100,035
Shares Repurchased			7,421
Net Shares from Option - CGB Non-Qualified					1,151
Options - Moneta			186,496
Average Option Price		$	12.43
Total Exercise Cost		$	2,318,145
Shares Repurchased			171,969
Net Shares from Option - Moneta					0
Stock Appreciation Rights			65,719
Average SAR Price		$	11.87
Total Exercise Cost		$	780,085
Shares Repurchased			57,870
Net Shares from SARS					7,849
Gross Shares	9,560,529				9,892,558
Price		$	13.48

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

	Basic			Diluted
3 months ended June 30, 2004
Average Shares Outstanding	9,680,006			9,680,006
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			5,428
Net Shares from Option - Plan 2				7,772
Options - Plan 3			329,569
Average Option Price		$	8.76
Total Exercise Cost		$	2,887,024
Shares Repurchased			201,890
Net Shares from Option - Plan 3				127,679
Options - Plan 4			560,332
Average Option Price		$	12.31
Total Exercise Cost		$	6,897,687
Shares Repurchased			482,356
Net Shares from Option - Plan 4				77,976
Options - Plan 5 - Omnibus			457,235
Average Option Price		$	12.26
Total Exercise Cost		$	5,605,701
Shares Repurchased			392,007
Net Shares from Option - Plan 5				65,228
Options - EFA Non-qualified			89,250
Average Option Price		$	10.13
Total Exercise Cost		$	904,103
Shares Repurchased			63,224
Net Shares from Option - EFA Non-qualified				26,026
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			162,108
Net Shares from Option - Moneta				0
Stock Appreciation Rights			17,607
Average Stock Appreciation Rights Price		$	12.21
Total Exercise Cost		$	214,981
Shares Repurchased			15,034
Net Shares from Stock Appreciation Rights				2,573
Gross Shares	9,680,006			9,987,261
Average Market Price		$	14.30

	Basic EPS number of shares	Diluted EPS number of shares		Net Income		Basic EPS		Diluted EPS
6 months ended June 30, 2003	9,541,552		9,855,507	$	3,733,470	$	0.39	$	0.38
6 months ended June 30, 2004	9,660,075		9,977,520	$	3,513,467	$	0.36	$	0.35
	Basic			Diluted
6 months ended June 30, 2003
Average Shares Outstanding	9,541,552				9,541,552
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			5,849
Net Shares from Option - Plan 2					7,351
Options - Plan 3			401,866
Average Option Price		$	6.90
Total Exercise Cost		$	2,772,875
Shares Repurchased			208,958
Net Shares from Option - Plan 3					192,908
Options - Plan 4			541,704
Average Option Price		$	12.10
Total Exercise Cost		$	6,554,618
Shares Repurchased			493,943
Net Shares from Option - Plan 4					47,761
Options - Plan 5 - Omnibus			204,558
Average Option Price		$	10.97
Total Exercise Cost		$	2,244,001
Shares Repurchased			169,103
Net Shares from Option - Plan 5					35,455
Options - EFA Non-qualified			91,239
Average Option Price		$	10.13
Total Exercise Cost		$	924,251
Shares Repurchased			69,650
Net Shares from Option - EFA Non-qualified					21,589
Options - CGB Qualified			27,994
Average Option Price		$	10.21
Total Exercise Cost		$	285,819
Shares Repurchased			21,539
Net Shares from Option - CGB Qualified					6,455
Options - CGB Non-Qualified			15,465
Average Option Price		$	11.18
Total Exercise Cost		$	172,899
Shares Repurchased			13,029
Net Shares from Option - CGB Non-Qualified					2,436
Options - Moneta			186,496
Average Option Price		$	12.43
Total Exercise Cost		$	2,318,145
Shares Repurchased			174,691
Net Shares from Option - Moneta					0
Stock Appreciation Rights			67,450
Average SAR Price		$	11.96
Total Exercise Cost		$	806,702
Shares Repurchased			60,791
Net Shares from SARS					0
Gross Shares	9,541,552				9,855,507
Price		$	13.27

	Basic			Diluted
6 months ended June 30, 2004
Average Shares Outstanding	9,660,075			9,660,075
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			5,580
Net Shares from Option - Plan 2				7,620
Options - Plan 3			347,838
Average Option Price		$	7.28
Total Exercise Cost		$	2,532,261
Shares Repurchased			182,046
Net Shares from Option - Plan 3				165,792
Options - Plan 4			558,571
Average Option Price		$	12.42
Total Exercise Cost		$	6,937,452
Shares Repurchased			498,738
Net Shares from Option - Plan 4				59,833
Options - Plan 5 - Omnibus			457,949
Average Option Price		$	12.26
Total Exercise Cost		$	5,614,455
Shares Repurchased			403,627
Net Shares from Option - Plan 5				54,322
Options - EFA Non-qualified			89,250
Average Option Price		$	10.13
Total Exercise Cost		$	904,103
Shares Repurchased			64,997
Net Shares from Option - EFA Non-qualified				24,253
Options - CGB Qualified			1,001
Average Option Price		$	11.67
Total Exercise Cost		$	11,682
Shares Repurchased			840
Net Shares from Option - CGB Qualified				161
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			166,653
Net Shares from Option - Moneta				0
Stock Appreciation Rights			38,775
Average Stock Appreciation Rights Price		$	11.95
Total Exercise Cost		$	463,361
Shares Repurchased			33,311
Net Shares from Stock Appreciation Rights				5,464
Gross Shares	9,660,075			9,977,520
Average Market Price		$	13.91