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 March 31, 2004		9,640,145		9,942,143	$	1,526,586	$	0.16	$	0.15
3 months ended March 31, 2005		9,921,762		10,520,844	$	2,447,461	$	0.25	$	0.23

3 months ended March 31, 2004	Basic				Diluted
Average Shares Outstanding		9,640,145				9,640,145
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				5,741
Net Shares from Option - Plan 2						7,459
Options - Plan 3				366,106
Average Option Price			$	7.20
Total Exercise Cost			$	2,635,963
Shares Repurchased				194,968
Net Shares from Option - Plan 3						171,138
Options - Plan 4				556,835
Average Option Price			$	12.28
Total Exercise Cost			$	6,837,934
Shares Repurchased				505,764
Net Shares from Option - Plan 4						51,071
Options - Plan 5 - Omnibus				458,664
Average Option Price			$	12.27
Total Exercise Cost			$	5,627,807
Shares Repurchased				416,258
Net Shares from Option - Plan 5						42,406
Options - EFA Non-qualified				89,250
Average Option Price			$	10.13
Total Exercise Cost			$	904,103
Shares Repurchased				66,871
Net Shares from Option - EFA Non-qualified						22,379
Options - CGB Qualified				2,002
Average Option Price			$	11.67
Total Exercise Cost			$	23,363
Shares Repurchased				1,728
Net Shares from Option - CGB Qualified						274
Options - Moneta				186,496
Average Option Price			$	12.43
Total Exercise Cost			$	2,318,145
Shares Repurchased				171,460
Net Shares from Option - Moneta						0
Stock Appreciation Rights				59,943
Average SAR Price			$	11.88
Total Exercise Cost			$	712,123
Shares Repurchased				52,672
Net Shares from SARS						7,271
Gross Shares		9,640,145				9,942,143
Price			$	13.52

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

3 months ended March 31, 2005	Basic				Diluted
Average Shares Outstanding		9,921,762				9,921,762
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				4,129
Net Shares from Option - Plan 2						9,071
Options - Plan 3				215,207
Average Option Price			$	8.15
Total Exercise Cost			$	1,753,937
Shares Repurchased				93,295
Net Shares from Option - Plan 3						121,912
Options - Plan 4				470,718
Average Option Price			$	12.32
Total Exercise Cost			$	5,799,246
Shares Repurchased				308,471
Net Shares from Option - Plan 4						162,247
Options - Plan 5 - Omnibus				418,119
Average Option Price			$	12.16
Total Exercise Cost			$	5,084,327
Shares Repurchased				270,443
Net Shares from Option - Plan 5						147,676
Options - EFA Non-qualified				41,661
Average Option Price			$	10.00
Total Exercise Cost			$	416,610
Shares Repurchased				22,160
Net Shares from Option - EFA Non-qualified						19,501
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				190,332
Average Option Price			$	12.44
Total Exercise Cost			$	2,367,730
Shares Repurchased				125,943
Net Shares from Option - Moneta						64,389
Stock Appreciation Rights				7,800
Average Stock Appreciation Rights Price			$	11.53
Total Exercise Cost			$	89,934
Shares Repurchased				4,784
Net Shares from Stock Appreciation Rights						0
Restricted Share Units						74,286
Gross Shares		9,921,762				10,520,844
Average Market Price			$	18.80

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