EXHIBIT 11

                    COMPUTATION OF EARNINGS PER COMMON SHARE

The details of computation of earnings per common share are disclosed in the
Consolidated Statements of Income and Note 14 of the Notes to Consolidated
Financial Statements for the Periods of Three Months Ended September, 2001 and
2000 (unaudited) and the Year Ended December 31, 2000 (audited), contained in
the Quarterly Report on Form 10-Q of registrant for the quarter Ended September
30, 2001.