<DOCUMENT>
<TYPE>EX-11
<SEQUENCE>2
<FILENAME>0002.txt
<DESCRIPTION>COMPUTATION OF PER SHARE DATA
<TEXT>

<PAGE>

Exhibit 11 - Computation of per share earnings

<TABLE>
<CAPTION>
                                                        Six Months Ended         Three Months Ended
                                                             June 30,                June 30,
                                                     -----------------------   ----------------------
                                                         2000       1999          2000        1999
                                                     -----------  ----------   ----------  ----------
<S>                                                  <C>          <C>          <C>         <C>
Weighted  average common shares outstanding           1,214,5141   1,235,136    1,213,741   1,231,241
Weighted average equivalent shares                           ---         ---          ---         ---
                                                      ----------  ----------   ----------  ----------
Weighted average common and common stock
   equivalent shares outstanding                       1,214,514   1,235,136    1,213,741   1,231,241
                                                      ==========  ==========   ==========  ==========
Net income                                            $  927,594  $  896,072   $  478,854  $  488,613
                                                      ==========  ==========   ==========  ==========
Earnings per share:
     Basic                                            $     0.76  $     0.73   $     0.39  $     0.40
                                                      ==========  ==========   ==========  ==========
     Diluted                                          $     0.76  $     0.73   $     0.39  $     0.40
                                                      ==========  ==========  ===========  ==========
</TABLE>

</TEXT>
</DOCUMENT>