EXHIBIT 12.1

	COMPUTATION OF RATIO OF EARNINGS TO COMBINED FIXED CHARGES AND
	PREFERRED STOCK DIVIDENDS
	Six Months			Year			Year			Year			Year			Year
	Ended			Ended			Ended			Ended			Ended			Ended
	June 30, 2009			December 31, 2008			December 31, 2007			December 31, 2006			December 31, 2005			December 31, 2004
Net Income	$	8,824,755		$	16,282,037		$	16,826,749		$	15,194,281		$	14,053,083		$	13,332,040
Add:
Interest on indebtedness		2,146,724			5,006,461			4,712,893			4,486,743			4,007,754			4,354,454
Amortization of financing costs		139,691			172,954			182,872			138,028			151,133			152,258
Earnings	$	11,111,170		$	21,461,452		$	21,722,514		$	19,819,052		$	18,211,970		$	17,838,752
Fixed charges and preferred stock dividends:
Interest on indebtedness	$	2,279,296		$	5,564,106		$	5,268,893		$	4,684,743		$	4,444,754		$	4,659,454
Amortization of financing costs		139,691			172,954			182,872			138,028			151,133			152,258
Fixed charges		2,418,987			5,737,060			5,451,765			4,822,771			4,595,887			4,811,712
Add:
Preferred stock
dividends		-			-			-			-			-			-
Combined fixed charges and  preferred stock dividends	$	2,418,987		$	5,737,060		$	5,451,765		$	4,822,771		$	4,595,887		$	4,811,712
Ratio of earnings to fixed charges		4.59	x		3.74	x		3.98	x		4.11	x		3.96	x		3.71	x