Exhibit 12

Computation of Ratios
Net Income Per Share	=  Net Income/Average Common Shares Outstanding
Cash Dividends Per Share	=  Dividends Paid/Actual Common Shares Outstanding
Book Value Per Share	=  Total Shareholders’ Equity/Actual Common Shares Outstanding
Return on Average Assets	=  Net Income/Average Assets
Return on Average Shareholders’ Equity	=  Net Income/Average Shareholders’ Equity
Net Interest Margin	=  Net Interest Income/Average Earning Assets
Noninterest Expense to Average Assets	=  Noninterest Expense/Average Assets
Efficiency Ratio	=  (Noninterest Expense-Other Real Estate Owned Expense-Amortization of Intangibles)/(Net Interest Income + Noninterest Income-Security Losses)
Average Loans to Deposits	=  Average Net Loans/Average Deposits Outstanding
Dividend Payout	=  Dividends Declared/Net Income
Average Shareholders’ Equity to Average Assets	=  Average Shareholders’ Equity/Average Assets
Tier I Capital Ratio	=  Shareholders’ Equity – Net Unrealized Gains on Available for Sale Securities-Intangible Assets +Qualifying Capital Securities (Tier I Capital)/ Risk Adjusted Assets
Total Capital Ratio	=  (Tier I Capital +Qualifying Tier II Capital Securities +Allowance for Loan Losses +Qualifying Portion of Unrealized Gains on Available for Sale Marketable Equity Securities)/Risk Adjusted Assets
Tier I Leverage Ratio	=  Tier I Capital/Average Assets
Net Charge-offs to Average Loans	=  (Gross Charge-offs – Recoveries)/ Average Net Loans
Non-performing Loans to Period End Loans	=  (Nonaccrual Loans + Loans Past Due 90 Days or Greater)/ Loans Net of Unearned Income
Non-performing Assets to Period End Assets	=  (Nonaccrual Loans + Loans Past Due 90 Days or Greater + Other Real Estate Owned)/Total Assets
Allowance for Loan Losses to Period End Loans	=  Loan Loss Reserve/Loans Net of Unearned Income
Allowance for Loan Losses to Non-Performing Loans	=  Loan Loss Reserve/(Nonaccrual Loans + Loans Past Due 90 days or Greater)