Exhibit 12

Computation of Ratios of Earnings to Fixed Charges

	Six Months Ended June 30, 2003			Year Ended December 31,
				2002			2001			2000			1999			1998
Income before Income Taxes	$	111,178		$	214,743		$	191,897		$	189,741		$	187,396		$	105,366
Fixed Charges:
Interest Expense		144,400			322,261			480,240			517,754			384,891			339,765
1/3 Rent Expense		4,263			7,511			6,222			5,661			4,943			5,479
Total Fixed Charges		148,663			329,772			486,462			523,415			389,834			345,244
Total	$	259,841		$	544,515		$	678,359		$	713,156		$	577,230		$	450,610
Ratio of Earnings to Fixed Charges		1.75	%		1.65	%		1.39	%		1.36	%		1.48	%		1.31	%
Interest on Deposits	$	75,361		$	185,520		$	323,499		$	359,460		$	279,166		$	261,266
Ratio of Earnings to Fixed Charges excluding interest on deposits		2.51	%		2.49	%		2.18	%		2.16	%		2.69	%		2.25	%