Exhibit 11

COMPUTATION OF EARNINGS PER COMMON SHARE
(Unaudited)
(in thousands, except per share amounts)

				Three Months Ended					Six Months Ended
				June 30,					June 30,
				2001			2000		2001			2000
Basic Earnings
		Income before extraordinary Items		$	20,732		$	24,397	$	30,336		$	35,154
		Extraordinary items - loss on discharge of indebtedness		(110		)	--		(110		)	(302		)
			Net earnings	$	20,622		$	24,397	$	30,226		$	34,852
	Shares:
		Weighted average number of common shares outstanding		44,636			45,120		44,780			46,536
	Basic earnings per common share:
		Income before extraordinary items		$	0.46		$	0.54	$	0.68		$	0.75
		Extraordinary items - loss on discharge of indebtedness		--			--		--			--
			Net earnings	$	0.46		$	0.54	$	0.68		$	0.75
Diluted Earnings
		Income before extraordinary items		$	20,732		$	24,397	$	30,336		$	35,154
		Extraordinary items - loss on discharge of indebtedness		(110		)	--		(110		)	(302		)
			Net earnings as adjusted	$	20,622		$	24,397	$	30,226		$	34,852
	Shares:
		Weighted average number of common shares outstanding		44,636			45,120		44,780			46,536
		Options issued		1,061			733		1,209			695
		Weighted average number of common shares outstanding as adjusted		45,697			45,853		45,989			47,231
	Diluted earnings per common share:
		Income before extraordinary items		$	0.45		$	0.53	$	0.66		$	0.74
		Extraordinary items - loss on discharge of indebtedness		--			--		--			--
			Net earnings	$	0.45		$	0.53	$	0.66		$	0.74