Exhibit 11.1

Schedule Regarding Computation of Per Share Earnings
(OOO’s except per share data)

	Six Months							Three Months
	Ended June 30,							Ended June 30,
		2001			2000			2001			2000
Net income	$	7,201			$	1,358		$	4,188		$	146
Less: preferred stock dividends	(1,082			)	(1,050		)		(557	)		(525	)
Income availabe to common
stockholders	$	6,119			$	308		$	3,631		$	(379	)
Weighted average common shares	10,005				7,181			10,002			7,020
Common equivalent shares:
Dilutive warrants			235			-			340			-
Dilutive stock options			110			8			149			-
Dilutive weighted average shares outstanding			10,350			7,189		10,491				7,020
Basic earnings per share			$0.72			$0.04			$0.42			$(0.05	)
Diluted earnings per share			$0.70			$0.04			$0.40			$(0.05	)