Exhibit 12.1

	Twelve Months Ended December 31,
	2010		2009		2008		2007		2006		2005		2004
Excluding interest on deposits
Income before income taxes		37,367		9,100		12,261		13,577		13,789		14,048		9,531
Fixed charges
Interest on short-term borrowings & Long-term debt		739		1,099		2,392		2,141		1,884		1,609		1,213
one-third of net rental expense		413		208		144		141		138		123		111
Total fixed charges		1,152		1,307		2,536		2,282		2,022		1,732		1,324
Income from operations before income taxes and fixed charges		38,519		10,407		14,797		15,859		15,811		15,780		10,855
Fixed charges, as above		1,152		1,307		2,536		2,282		2,022		1,732		1,324
Preferred stock dividends (pretax)(1)		1,659		1,600		—		—		—		—		—
Fixed charges including preferred stock dividends		2,811		2,907		2,536		2,282		2,022		1,732		1,324
Ratio of earnings to fixed charges and preferred stock dividend requirements		13.70		3.58		5.84		6.95		7.82		9.11		8.20
Including interest on deposits
Fixed charges including preferred stock dividends, as above		2,811		2,907		2,536		2,282		2,022		1,732		1,324
Add: Interest on deposits		11,091		12,920		18,442		22,669		16,557		9,957		7,624
Total fixed charges including preferred stock dividends and interest on deposits		13,902		15,827		20,978		24,951		18,579		11,689		8,948
Income from operations before income taxes and fixed charges, as above		38,519		10,407		14,797		15,859		15,811		15,780		10,855
Add: Interest on deposits		11,091		12,920		18,442		22,669		16,557		9,957		7,624
Total income from operations before income taxes, fixed charges and interest on deposits		49,610		23,327		33,239		38,528		32,368		25,737		18,479
Ratio of earnings to fixed charges and preferred stock dividend requirements		3.57		1.47		1.58		1.54		1.74		2.20		2.07

⁽¹⁾ The preferred dividends, including accretion, were increased to amounts representing the pretax earnings that would be required to cover such dividend and accretion requirements