EXHIBIT 11.1

                        COMPUTATION OF PER SHARE EARNINGS

The information regarding Computation of Per Share Earnings is incorporated by
reference to the Company's 2004 Annual Report to shareholders distributed to
shareholders and furnished to the Commission under Rules 14a-3(b) and (c) of the
Exchange Act; the computation appears under the caption "Note 21 - Earnings Per
Share" at page 41 therein.

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