EXHIBIT 11.1
STATEMENT REGARDING COMPUTATION OF PER EARNINGS SHARE

	Basic EPS number of shares		Diluted EPS number of shares		Net Income		Basic EPS		Diluted EPS
12 months ended December 31, 2002		9,399,374		9,611,108	$	5,001,480	$	0.53	$	0.52
12 months ended December 31, 2003		9,566,059		9,875,141	$	6,925,219	$	0.72	$	0.70
12 months ended December 31, 2004		9,695,500		10,054,691	$	8,214,527	$	0.85	$	0.82

12 months ended December 31, 2002	Basic				Diluted
Average Shares Outstanding		9,399,374				9,399,374
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				57,455
Average Option Price			$	3.14
Total Exercise Cost			$	180,409
Shares Repurchased				16,876
Net Shares from Option - Plan 2						40,579
Options - Plan 3				452,541
Average Option Price			$	6.90
Total Exercise Cost			$	3,122,533
Shares Repurchased				292,098
Net Shares from Option - Plan 3						160,443
Options - Plan 4				464,960
Average Option Price			$	12.60
Total Exercise Cost			$	5,858,496
Shares Repurchased				548,035
Net Shares from Option - Plan 4						0
Options - Plan 5				54,032
Average Option Price			$	9.52
Total Exercise Cost			$	514,385
Shares Repurchased				48,118
Net Shares from Option - Plan 5						5,914
Options - EFA Non-qualified				85,500
Average Option Price			$	10.18
Total Exercise Cost			$	870,390
Shares Repurchased				81,421
Net Shares from Option - EFA Non-qualified						4,079
Options - CGB Qualified				40,495
Average Option Price			$	10.59
Total Exercise Cost			$	428,842
Shares Repurchased				40,116
Net Shares from Option - CGB Qualified						379
Options - CGB Non-qualified				45,552
Average Option Price			$	10.61
Total Exercise Cost			$	483,307
Shares Repurchased				45,211
Net Shares from Option - CGB Non-qualified						341
Options - Moneta				187,241
Average Option Price			$	12.44
Total Exercise Cost			$	2,329,278
Shares Repurchased				217,893
Net Shares from Option - Moneta						0
Stock Appreciation Rights				70,388
Average Stock Appreciation Rights Price			$	12.13
Total Exercise Cost			$	853,806
Shares Repurchased				79,870
Net Shares from Stock Appreciation Rights						0
Gross Shares		9,399,374				9,611,108
Price			$	10.69

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 quarter.

12 months ended December 31, 2003	Basic				Diluted
Average Shares Outstanding		9,566,059				9,566,059
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				5,836
Net Shares from Option - Plan 2						7,364
Options - Plan 3				401,144
Average Option Price			$	6.94
Total Exercise Cost			$	2,783,939
Shares Repurchased				209,319
Net Shares from Option - Plan 3						191,825
Options - Plan 4				542,500
Average Option Price			$	12.13
Total Exercise Cost			$	6,580,525
Shares Repurchased				494,776
Net Shares from Option - Plan 4						47,724
Options - Plan 5				327,057
Average Option Price			$	11.85
Total Exercise Cost			$	3,875,625
Shares Repurchased				291,400
Net Shares from Option - Plan 5						35,657
Options - EFA Non-qualified				90,236
Average Option Price			$	10.13
Total Exercise Cost			$	914,091
Shares Repurchased				68,729
Net Shares from Option - EFA Non-qualified						21,507
Options - CGB Qualified				17,568
Average Option Price			$	10.73
Total Exercise Cost			$	188,505
Shares Repurchased				14,173
Net Shares from Option - CGB Qualified						3,395
Options - CGB Non-qualified				10,816
Average Option Price			$	11.32
Total Exercise Cost			$	122,437
Shares Repurchased				9,206
Net Shares from Option - CGB Non-qualified						1,610
Options - Moneta				191,951
Average Option Price			$	12.46
Total Exercise Cost			$	2,391,709
Shares Repurchased				179,828
Net Shares from Option - Moneta						0
Stock Appreciation Rights				65,916
Average Stock Appreciation Rights Price			$	11.91
Total Exercise Cost			$	785,060
Shares Repurchased				59,027
Net Shares from Stock Appreciation Rights						0
Gross Shares		9,566,059				9,875,141
Price			$	13.30

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 quarter.

12 months ended December 31, 2004	Basic				Diluted
Average Shares Outstanding		9,695,500				9,695,500
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				5,287
Net Shares from Option - Plan 2						7,913
Options - Plan 3				316,913
Average Option Price			$	7.43
Total Exercise Cost			$	2,354,664
Shares Repurchased				160,399
Net Shares from Option - Plan 3						156,514
Options - Plan 4				546,413
Average Option Price			$	12.30
Total Exercise Cost			$	6,720,880
Shares Repurchased				457,826
Net Shares from Option - Plan 4						88,587
Options - Plan 5 - Omnibus				450,853
Average Option Price			$	12.25
Total Exercise Cost			$	5,522,949
Shares Repurchased				376,223
Net Shares from Option - Plan 5						74,630
Options - EFA Non-qualified				86,571
Average Option Price			$	10.10
Total Exercise Cost			$	874,367
Shares Repurchased				59,562
Net Shares from Option - EFA Non-qualified						27,009
Options - CGB Qualified				498
Average Option Price			$	11.67
Total Exercise Cost			$	5,812
Shares Repurchased				396
Net Shares from Option - CGB Qualified						102
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				194,994
Average Option Price			$	12.48
Total Exercise Cost			$	2,433,525
Shares Repurchased				165,771
Net Shares from Option - Moneta						0
Stock Appreciation Rights				22,930
Average Stock Appreciation Rights Price			$	11.84
Total Exercise Cost			$	271,491
Shares Repurchased				18,494
Net Shares from Stock Appreciation Rights						4,436
Gross Shares		9,695,500				10,054,691
Average Market Price			$	14.68

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