COMPUTATION OF RATIO OF EARNINGS TO FIXED CHARGES
(Dollar amounts in thousands)

	For the three months ended March 31,
	2004		2003
EARNINGS
Pre-tax income	$	18,793	$	16,599
Fixed charges		3,266		2,070
Total	$	22,059	$	18,669
FIXED CHARGES
Interest expense and amortization of debt discount
and premium on all indebtedness	$	2,939	$	1,758
Interest portion of rental expenses		327		312
Total fixed charges	$	3,266	$	2,070
Ratio of earnings to fixed charges		6.8 x		9.0 x