Exhibit 12.1

Computation of Consolidated Ratios of Earning to Combined Fixed Charges

(In Thousands)

	Years Ended December 31,
	2008			2007			2006			2005			2004
Ratio of earnings to fixed charges including interest on deposits:
Income before income taxes	$	12,378		$	13,067		$	14,758		$	15,777		$	17,714
Fixed charges		31,049			33,909			30,774			25,687			22,606
	$	43,427		$	46,976		$	45,532		$	41,464		$	40,320
Fixed charges:
Interest Expense	$	31,049		$	33,909		$	30,774		$	25,687		$	22,606
Interest factor in rent expense		—			—			—			—			—
	$	31,049		$	33,909		$	30,774		$	25,687		$	22,606
Ratio of earnings to fixed charges		1.4	X		1.4	X		1.5	X		1.6	X		1.8	X

	Years Ended December 31,
	2008			2007			2006			2005			2004
Ratio of earnings to fixed charges excluding interest on deposits:
Income before income taxes	$	12,378		$	13,067		$	14,758		$	15,777		$	17,714
Fixed charges		11,729			12,201			15,170			13,142			8,045
	$	24,107		$	25,268		$	29,928		$	28,919		$	25,759
Fixed charges:
Interest Expense	$	31,049		$	33,909		$	30,774		$	25,687		$	22,606
Interest factor in rent expense		—			—			—			—			—
Less interest on deposits		(19,320	)		(21,708	)		(15,604	)		(12,545	)		(14,561	)
	$	11,729		$	12,201		$	15,170		$	13,142		$	8,045
Ratio of earnings to fixed charges		2.1	X		2.1	X		2.0	X		2.2	X		3.2	X