Exhibit 12.1

	Three Months Ended March 31,		Year Ended December 31,
	2009		2008		2007		2006		2005		2004
Computation of Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividends:
EARNINGS:
Pretax Income		1,009,000		18,754,000		9,746,000		10,615,000		13,098,000		12,769,000
FIXED CHARGES:
Interest Expense		5,966,803		32,435,726		56,494,545		51,759,983		28,646,734		14,397,213
Interest Expense on Deposits		4,331,543		22,211,214		42,196,881		39,761,717		23,408,101		11,908,652
Interest Expense Excluding Deposits		1,635,260		10,224,512		14,297,664		11,998,266		5,238,633		2,488,561
Preferred Stock Dividends		20,000		80,000		80,000		80,000		80,000		80,000
Capitalized Expenses Related to Indebtness		2,075		8,299		8,299		6,424		5,799		5,799
Interest Expense associated with Rental Expense		42,373		164,921		156,612		135,946		135,972		103,041
TOTAL FIXED CHARGES		6,031,250		32,688,946		56,739,456		51,982,353		28,868,505		14,586,053