Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges and Preferred Stock Dividends

	1Qr2013		2012		2011		2010		2009		2008
Income from continuing operations before income taxes		2,245		11,065		9,532		11,627		9,932		8,561
Fixed charges:
Interest on short-term borrowings		3		16		28		27		3		13
Interest on long-term debt		112		556		657		694		623		263
Branch rentals (454001) *		23		76		86		92		91		92
Equipment rental (461001) *		5		19		18		10		11		12
Phone equipment rental (461051) *		11		51		44		42		40		40
Preferred stock dividends and discount accretion		-		-		-		-		1,108		-
Total fixed charges, excluding interest on deposits		154		718		833		865		1,876		420
Interest on deposits		983		4,317		5,702		7,613		9,434		13,145
Total fixed charges, including interest on deposits		1,137		5,035		6,535		8,478		11,310		13,565
Income from continuing operations before income taxes and fixed charges (except preferred stock):
including interest on deposits		3,382		16,100		16,067		20,105		20,134		22,126
excluding interest on deposits		2,399		11,783		10,365		12,492		10,700		8,981
Ratio of earnings to fixed charges:
including interest on deposits		2.97		3.20		2.46		2.37		1.78		1.63
excluding interest on deposits		15.58		16.41		12.44		14.44		5.70		21.38

*  Amount shown is 1/3 of gross rental amount