<DOCUMENT>
<TYPE>EX-11
<SEQUENCE>2
<FILENAME>dex11.txt
<DESCRIPTION>STATEMENT RE:  COMPUTATION OF EARNINGS PER SHARE
<TEXT>

<PAGE>

                                  EXHIBIT 11

                Statement re: Computation of Earnings Per Share
                   (In thousands, except Earnings per Share)

<TABLE>
<CAPTION>
                                          Three Months Ended
                                        -----------------------
                                        March 31,     March 31,
                                          2001          2000
                                        ---------     ---------
<S>                                     <C>           <C>
Net income                              $  152          $  142
Average Shares Outstanding               2,251           2,323
Basic Earnings Per Share                $ 0.07          $ 0.06

Net income                              $  152          $  142
Average Shares Outstanding before the
  effect of options                      2,251           2,232
Effect of Options                           --              --
Average Shares Outstanding including
  options                                2,251           2,323
Diluted Earnings Per Share              $ 0.07          $ 0.06


</TABLE>
</TEXT>
</DOCUMENT>