A reconciliation of the numerator and denominator used in the earnings per common share calculations is as follows:

	Three Months Ended June 30, 2013
	Income			Shares (In thousands)		Per Share Amount
Basic Earnings Per Common Share:
Net income	$	5,960			21,268
Less preferred stock dividends		(119	)
Net income applicable to common shareholders		5,841			21,268	$	.27
Diluted Earnings Per Common Share:
Effect of Series D preferred stock		119			1,629
Net income applicable to common shareholders	$	5,960			22,897	$	.26

	Three Months Ended June 30, 2012
	Income			Shares (In thousands)		Per Share Amount
Basic Earnings Per Common Share:
Net income	$	781			21,272
Less preferred stock dividends		(127	)
Net income applicable to common shareholders		654			21,272	$	.03
Diluted Earnings Per Common Share:
Effect of dilutive stock options					79
Net income applicable to common shareholders	$	654			21,351	$	.03

	Six Months Ended June 30, 2013
	Income			Shares (In thousands)		Per Share Amount
Basic Earnings Per Common Share:
Net income	$	6,882			21,225
Less preferred stock dividends		(246	)
Net income applicable to common shareholders		6,636			21,225	$	.31
Diluted Earnings Per Common Share:
Effect of dilutive stock options					38
Effect of Series D preferred stock		246			1,629
Net income applicable to common shareholders	$	6,882			22,892	$	.30

	Six Months Ended June 30, 2012
	Income			Shares (In thousands)		Per Share Amount
Basic Earnings Per Common Share:
Net income	$	2,438			21,273
Less preferred stock dividends		(254	)
Net income applicable to common shareholders		2,184			21,273	$	.10
Diluted Earnings Per Common Share:
Effect of dilutive stock options					84
Net income applicable to common shareholders	$	2,184			21,357	$	.10