Exhibit 12.1

Computation of Ratio of Earnings to Fixed Charges
(Dollars in thousands)

Year ended December 31,	2005			2004			2003			2002			2001
Earnings:
Net income from operations after tax	$	54,715			45,421			40,752			34,494			31,183
Applicable income taxes		29,310			23,929			22,267			19,247			17,901
Income before taxes		84,025			69,350			63,019			53,741			49,084
Fixed charges:
Interest expense excluding interest on deposits		5,360			4,397			5,000			5,662			6,786
Portion of rents representative of interest		194			293			325			361			377
Amortization of subordinated debenture/trust preferred securities issuance costs		41			44			961			95			95
Fixed charges excluding interest on deposits		5,595			4,734			6,286			6,118			7,258
Interest on deposits		58,189			38,024			43,614			59,797			87,198
Fixed charges including interest on deposits	$	63,784			42,758			49,900			65,915			94,456
Earnings before fixed charges excluding interest on deposits	$	89,620			74,084			69,305			59,859			56,342
Earnings before fixed charges including interest on deposits		147,809			112,108			112,919			119,656			143,540
Fixed charges excluding interest on deposits		5,595			4,734			6,286			6,118			7,258
Fixed charges including interest on deposits		63,784			42,758			49,900			65,915			94,456
Ratio of Earnings to Fixed Charges:
Excluding interest on deposits		16.02	x		15.65	x		11.03	x		9.78	x		7.76	x
Including interest on deposits		2.32	x		2.62	x		2.26	x		1.82	x		1.52	x