Exhibit 12.1

Computation of Consolidated Ratios of Earnings to Combined Fixed Charges

	Six Months Ended June 30				Years Ended December 31,
	2008		2007		2007		2006		2005		2004		2003
	(Dollars in Thousands)
Ratio of earnings to fixed charges including interest on deposits:
Income before income taxes	$	7,161	$	9,802	$	19,114	$	21,025	$	15,839	$	12,625	$	5,845
Fixed charges		21,206		21,425		45,392		33,498		17,538		11,349		12,134
	$	28,367	$	31,227	$	64,506	$	54,523	$	33,377	$	23,974	$	17,979
Fixed charges:
Interest expense		21,206		21,425		45,392		33,498		17,538		11,349		12,134
		21,206		21,425		45,392		33,498		17,538		11,349		12,134
Ratio of earnings to fixed charges		1.34		1.46		1.42		1.63		1.90		2.11		1.48

	Six Months Ended June 30				Years Ended December 31,
	2008		2007		2007		2006		2005		2004		2003
	(Dollars in Thousands)
Ratio of earnings to fixed charges excluding interest on deposits:
Income before income tax	$	7,161	$	9,802	$	19,114	$	21,025	$	15,839	$	12,625	$	5,845
Fixed charges		2,808		1,634		3,285		3,384		2,274		1,878		1,847
	$	9,969	$	11,436	$	22,399	$	24,409	$	18,113	$	14,503	$	7,692
Fixed charges:
Interest expense		21,206		21,425		45,392		33,498		17,538		11,349		12,134
Less interest on deposits		18,398		19,791		42,107		30,114		15,264		9,471		10,287
		2,808		1,634		3,285		3,384		2,274		1,878		1,847
Ratio of earnings to fixed charges		3.55		7.00		6.82		7.21		7.97		7.72		4.16