Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges

(Dollars in thousands)

Year ended December 31,	2004			2003			2002			2001			2000
Earnings:
Net income from operations after tax	$	45,421			40,752			34,494			31,183			30,380
Applicable income taxes		23,929			22,267			19,247			17,901			17,176
Income before taxes		69,350			63,019			53,741			49,084			47,556
Fixed charges:
Interest expense excluding interest on deposits		4,397			5,000			5,662			6,786			10,748
Portion of rents representative of interest		293			325			361			377			410
Amortization of subordinated debenture/trust preferred securities issuance costs		44			961			95			95			95
Fixed charges excluding interest on deposits		4,734			6,286			6,477			7,281			12,290
Interest on deposits		38,024			43,614			59,797			87,198			91,041
Fixed charges including interest on deposits	$	42,758			49,900			65,915			94,456			102,294
Earnings before fixed charges excluding interest on deposits	$	74,084			69,305			59,859			56,342			58,809
Earnings before fixed charges including interest on deposits		112,108			112,919			119,656			143,540			149,850
Fixed charges excluding interest on deposits		4,734			6,286			6,118			7,258			11,253
Fixed charges including interest on deposits		42,758			49,900			65,915			94,456			102,294
Ratio of Earnings to Fixed Charges:
Excluding interest on deposits		15.65	x		11.03	x		9.78	x		7.76	x		5.23	x
Including interest on deposits		2.62	x		2.26	x		1.82	x		1.52	x		1.46	x