Exhibit 12.1

STATEMENT RE COMPUTATION OF RATIOS OF EARNINGS TO FIXED CHARGES

(No preferred shares were outstanding during any of the periods below.)

		Nine Months Ended September 30, 2009		Year Ended December 31, 2008		Year Ended December 31, 2007		Year Ended December 31, 2006		Year Ended December 31, 2005		Year Ended December 31, 2004
	($ in thousands)	(Unaudited)
	Fixed Charges:
	Interest on Deposits	$	9,679	$	14,021	$	18,649	$	14,189	$	7,291	$	5,201
	Interest on Borrowing		3,265		5,387		4,337		3,182		2,246		1,785
	Estimated Interest on Rental Expense		8		10		10		10		6		3
A	Total Fixed Charges Including Deposit Interest		12,952		19,418		22,996		17,381		9,543		6,989
B	Total Fixed Charges Excluding Deposit Interest		3,273		5,397		4,347		3,192		2,252		1,788
	Pretax Earnings		13,724		18,585		17,755		16,482		14,396		10,947
	Fixed Charges Excluding Deposit Interest		3,273		5,397		4,347		3,192		2,252		1,788
C	Pretax Earnings + Fixed Charges Excluding Deposit Interest		16,997		23,982		22,102		19,674		16,648		12,735
	Deposit Interest		9,679		14,021		18,649		14,189		7,291		5,201
D	Pretax Earnings + Fixed Charges Including Deposit Interest	$	26,676	$	38,003	$	40,751	$	33,863	$	23,939	$	17,936
	Ratio of Earnings to Fixed Charges
C/B	Excluding Interest on Deposits		5.193		4.444		5.084		6.164		7.393		7.122
D/A	Including Interest on Deposits		2.060		1.957		1.772		1.948		2.509		2.566
	Fixed Charges in Excess of Earnings		n/a		n/a		n/a		n/a		n/a		n/a