Exhibit 12.1

Computation of Ratio of Earnings to Combined Fixed Charges and Preferred Stock Dividends
			Six Months	Year Ended December 31,
			Ended June
			30,
			2009	2008	2007	2006	2005	2004
	EARNINGS:
		Pretax Income	(1,387,000)	18,754,000	9,746,000	10,615,000	13,098,000	12,769,000
	FIXED CHARGES:
		Interest Expense	11,899,695	32,435,726	56,494,545	51,759,983	28,646,734	14,397,213
		Interest Expense on Deposits	8,723,895	22,211,214	42,196,881	39,761,717	23,408,101	11,908,652
		Interest Expense Excluding Deposits	3,175,799	10,224,512	14,297,664	11,998,266	5,238,633	2,488,561
		Preferred Stock Dividends	40,000	80,000	80,000	80,000	80,000	80,000
		Capitalized Expenses Related to Indebtness	4,149	8,299	8,299	6,424	5,799	5,799
		Interest Expense associated with Rental Expense	84,891	164,921	156,612	135,946	135,972	103,041
		TOTAL FIXED CHARGES	12,028,735	32,688,946	56,739,456	51,982,353	28,868,505	14,586,053
		Deficiency amount	1,427,165	-	-	-	-	-