Exhibit 12.1 

					COMPUTATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES
											(In thousands except ratios)
Excluding Interest on Deposits
					Six Months
					Ended
					June 30						Year Ended December 31
					2009			2008			2008			2007			2006			2005			2004			2003
																	Restated			Restated			Restated			Restated
Income(loss) before income taxes				$	(43,175)		$	(49,267)		$	(135,078)		$	54,813		$	47,599		$	16,876		$	27,925		$	22,998
Fixed charges
	Interest on :
		Federal Home Bank advances			1,395			3,150			5,407			4,168			14,354			21,906			20,336			21,842
		Other borrowings			899			1,140			2,271			3,214			3,744			1,765			1,051			1,132
		Junior subordinated debentures			2,582			3,731			7,353			8,888			8,029			5,453			3,461			1,890
Preferred stock dividend requirement					4,844			-			1,077			-			-			-			-			-
(Pre tax assuming 36% marginal tax rate)
Total fixed charges					9,720			8,021			16,108			16,270			26,127			29,124			24,848			24,864
Earnings (for ratio calculation)				$	(33,455)		$	(41,246)		$	(118,970)		$	71,083		$	73,726		$	46,000		$	52,773		$	47,862
Ratio of earnings to fixed charges					------	(1)		------		(2)	------		(3)	4.37	x		2.82	x		1.58	x		2.12	x		1.93x
			The earnings coverage for some of these periods was inadequate to cover total fixed charges.  The coverage deficiencies were:
		(1)	for the six months ended June 30, 2009: $33.5 million
		(2)	for the six months ended June 30, 2008: $41.2 million
		(3)	for the year ended December 31, 2008: $119.0 million
Including Interest on Deposits
					Six Months
					Ended
					June 30						Year Ended December 31
					2009			2008			2008			2007			2006			2005			2004			2003
Income before income taxes				$	(43,175)		$	(49,267	)	$	(135,078	)	$	54,813		$	47,599		$	16,876		$	27,925		$	22,998
Fixed charges
	Interest on :
		Deposits			44,730			57,628			110,314			129,420			89,987			52,253			35,067			34,984
		Federal Home Bank advances			1,395			3,150			5,407			4,168			14,354			21,906			20,336			21,842
		Other borrowings			899			1,140			2,271			3,214			3,744			1,765			1,051			1,132
		Junior subordinated debentures			2,582			3,731			7,353			8,888			8,029			5,453			3,461			1,890
Preferred stock dividend requirement					4,844			-			1,077			-			-			-			-			-
(Pre tax assuming 36% marginal tax rate)
Total fixed charges					54,450			65,649			126,422			145,690			116,114			81,377			59,915			59,848
Earnings (for ratio calculation)				$	11,275		$	16,382		$	(8,656	)	$	200,503		$	163,713		$	98,253		$	87,840		$	82,846
Ratio of earnings to fixed charges					0.21x			0.25	x		------		(4)	1.38	x		1.41	x		1.21	x		1.47	x		1.38x
			The earnings coverage for some of these periods was inadequate to cover total fixed charges.  The coverage deficiencies were:
		(4)	for the year ended December 31, 2008: $8.7 million

				COMPUTATION OF CONSOLIDATED RATIO OF EARNINGS TO FIXED CHARGES
											(In thousands except ratios)
Excluding Interest on Deposits
				Six Months
				Ended
				June 30						Year Ended December 31
				2009				2008			2008			2007			2006			2005			2004			2003
																	Restated			Restated			Restated			Restated
Income(loss) before income taxes				$  (43,175	)		$	(49,267	)	$	(135,078	)	$	54,813		$	47,599		$	16,876		$	27,925		$	22,998
	less: Goodwill impairment			-				50,000			121,121			-			-			-			-			-
	Adjusted income(loss) before taxes			(43,175	)			733			(13,957	)		54,813			47,599			16,876			27,925			22,998
Fixed charges
	Interest on :
		Federal Home Bank advances		1,395				3,150			5,407			4,168			14,354			21,906			20,336			21,842
		Other borrowings		899				1,140			2,271			3,214			3,744			1,765			1,051			1,132
		Junior subordinated debentures		2,582				3,731			7,353			8,888			8,029			5,453			3,461			1,890
Preferred stock dividend requirement				4,844				-			1,077			-			-			-			-			-
(Pre tax assuming 36% marginal tax rate)
Total fixed charges				9,720				8,021			16,108			16,270			26,127			29,124			24,848			24,864
Earnings (for ratio calculation)				$  (33,455	)		$	8,754		$	2,151		$	71,083		$	73,726		$	46,000		$	52,773		$	47,862
Ratio of earnings to fixed charges				------		(1)		1.09	x		0.13	x		4.37	x		2.82	x		1.58	x		2.12	x		1.93	x
			The earnings coverage for some of these periods was inadequate to cover total fixed charges.  The coverage deficiencies were:
		(1)	for the six months ended June 30, 2009: $33.5 million
Including Interest on Deposits
				Six Months
				Ended
				June 30							Year Ended December 31
				2009				2008			2008			2007			2006			2005			2004			2003
Income before income taxes				$  (43,175	)		$	(49,267	)	$	(135,078	)	$	54,813		$	47,599		$	16,876		$	27,925		$	22,998
	less: Goodwill impairment			-				50,000			121,121			-			-			-			-			-
	Adjusted income(loss) before taxes			(43,175	)			733			(13,957	)		54,813			47,599			16,876			27,925			22,998
Fixed charges
	Interest on :
		Deposits		44,730				57,628			110,314			129,420			89,987			52,253			35,067			34,984
		Federal Home Bank advances		1,395				3,150			5,407			4,168			14,354			21,906			20,336			21,842
		Other borrowings		899				1,140			2,271			3,214			3,744			1,765			1,051			1,132
		Junior subordinated debentures		2,582				3,731			7,353			8,888			8,029			5,453			3,461			1,890
Preferred stock dividend requirement				4,844				-			1,077			-			-			-			-			-
(Pre tax assuming 36% marginal tax rate)
Total fixed charges				54,450				65,649			126,422			145,690			116,114			81,377			59,915			59,848
Earnings (for ratio calculation)				$   11,275			$	66,382		$	112,465		$	200,503		$	163,713		$	98,253		$	87,840		$	82,846
Ratio of earnings to fixed charges				0.21	x			1.01	x		0.89	x		1.38	x		1.41	x		1.21	x		1.47	x		1.38	x