EXHIBIT 12.1

Excluding Interest on Deposits			Nine Months Ended
			September 30		Years Ended December 31
			2006	2005	2005	2004	2003	2002	2001
Income before income taxes			$ 35,683	$ 22,161	$ 16,876	$ 27,925	$ 22,998	$ 12,739	$ 11,592
Provision for income taxes			11,527	6,772	4,432	8,585	6,891	3,479	4,142
Net income			24,156	15,389	12,444	19,340	16,107	9,260	7,450
Fixed charges
	Interest on:
		Federal Home Bank advances	11,659	17,464	21,906	20,336	21,842	24,094	29,990
		Other borrowings	2,576	1,196	1,765	1,051	789	1,518	3,252
		Junior subordinated debentures	5,875	3,665	5,453	3,461	2,233	1,151	-
Total fixed charges			20,110	22,325	29,124	24,848	24,864	26,763	33,242
Earnings (for ratio calculation)			$ 44,266	$ 37,714	$ 41,568	$ 44,188	$ 40,971	$ 36,023	$ 40,692
Ratio of earnings to fixed charges			2.20x	1.69x	1.43x	1.78x	1.65x	1.35x	1.22x
Including Interest on Deposits
			Nine Months Ended
			September 30		Years Ended December 31
			2006	2005	2005	2004	2003	2002	2001
Income before income taxes			$ 35,683	$ 22,161	$ 16,876	$ 27,925	$ 22,998	$ 12,739	$ 11,592
Provision for income taxes			11,527	6,772	4,432	8,585	6,891	3,479	4,142
Net income			24,156	15,389	12,444	19,340	16,107	9,260	7,450
Fixed charges
	Interest on :
		Deposits	62,920	36,646	52,253	35,067	34,984	39,206	52,702
		Federal Home Bank advances	11,659	17,464	21,906	20,336	21,842	24,094	29,990
		Other borrowings	2,576	1,196	1,765	1,051	789	1,518	3,252
		Junior subordinated debentures	5,875	3,665	5,453	3,461	2,233	1,151	-
Total fixed charges			83,030	58,971	81,377	59,915	59,848	65,969	85,944
Earnings (for ratio calculation)			$107,186	$ 74,360	$ 93,821	$ 79,255	$ 75,955	$ 75,229	$ 93,394
Ratio of earnings to fixed charges			1.29x	1.26x	1.15x	1.32x	1.27x	1.14x	1.09x