Exhibit 12.1

Ratios of Earnings to Fixed Charges and Preferred Dividends

		Nine months ended
		September 30,		Year ended December 31,
		2008		2007		2006		2005		2004		2003
	Earnings:
1.	Income before income taxes		5,150		923		569		8,830		9,246		7,582
2.	Plus: interest expense		18,303		30,630		28,974		23,296		13,968		12,726
3.	Earnings including interest on deposits		23,453		31,553		29,543		32,126		23,214		20,308
4.	Less: interest on deposits		10,132		20,835		18,005		11,599		7,415		7,173
5.	Earnings excludng interest on deposits		13,321		10,718		11,538		20,527		15,799		13,135
	Fixed Charges:
6.	Interest expense (Line 2)		18,303		30,630		28,974		23,296		13,968		12,726
7.	Less: interest expense on deposits (Line 4)		10,132		20,835		18,005		11,599		7,415		7,173
8.	Excluding interest on deposits		8,171		9,795		10,969		11,697		6,553		5,553
	Ratio of Earnings to Fixed Charges:
	Including interest on deposits
	(line 3 divided by Line 6)		1.28		1.03		1.02		1.38		1.66		1.60
	Excluding interest on deposits
	(line 5 divided by Line 8)		1.63		1.09		1.05		1.75		2.41		2.37