<DOCUMENT>
<TYPE>EX-12
<SEQUENCE>10
<FILENAME>0010.txt
<DESCRIPTION>COMPUTATION OF RATIOS OF EARNINGS
<TEXT>

<TABLE>
<CAPTION>

                                   EXHIBIT 12

COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES

                                          FOR THE YEARS ENDED SEPTEMBER 30

(Dollars in thousands)                       2000          1999         1998
--------------------------------------------------------------------------------
<S>                                      <C>           <C>           <C>

Income before taxes                      $739,591      $574,084      $676,284

Add fixed charges:
   Interest expense                        25,322        30,611        40,349
   Interest factor on rent                 19,170        12,953        12,416
--------------------------------------------------------------------------------
Total fixed charges                      $ 44,492        43,564        52,765

Earnings before fixed charges and taxes
on income                                $784,083      $617,648      $729,049

--------------------------------------------------------------------------------
Ratio of earnings to fixed charges           17.6          14.2          13.8

</TABLE>


</TEXT>
</DOCUMENT>