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Exhibit 12.3

Computation of Operating Cash Performance Ratios

		Years Ended December 31,
		2000			1999			1998
Operating Cash Earnings:
Income (loss) before income taxes		$	21,686,000		$	20,289,000		$	9,902,000
	Add acquisition and conversion costs		—			—			8,145,000
	Add intangible amortization		5,490,000			5,692,000			3,971,000
	Add one-time SAIF assessments		—			—			—
Operating cash earnings before income taxes			27,176,000			25,981,000			22,018,000
	Less income tax provision		(10,064,000	)		(9,566,000	)		(8,089,000	)
Operating cash earnings		$	17,112,000		$	16,415,000		$	13,929,000
Operating Cash Earnings Per Common Share—Diluted:
Operating cash earnings		$	17,112,000		$	16,415,000		$	13,929,000
Preferred stock dividends declared			—			—			—
Operating cash earnings per common share		$	17,112,000		$	16,415,000		$	13,929,000
Weighted average common shares outstanding—diluted			8,953,446			8,961,722			9,038,774
Operating cash earnings per common share—diluted		$	1.91		$	1.83		$	1.54
Return on Average Common Shareholders' Equity:
Operating cash earnings		$	17,112,000		$	16,415,000		$	13,929,000
Preferred stock dividends declared			—			—			—
Operating cash earnings per common share		$	17,112,000		$	16,415,000		$	13,929,000
Average common shareholders' equity		$	124,171,528		$	119,996,101		$	114,847,698
Return on average common shareholders' equity (annualized)			13.78	%		13.68	%		12.13	%
Return on Average Assets:
Operating cash earnings		$	17,112,000		$	16,415,000		$	13,929,000
Average assets		$	2,632,906,688		$	2,446,032,418		$	2,094,839,692
Return on average assets (annualized)			0.65	%		0.67	%		0.66	%
Operating Efficiency:
Operating expenses		$	67,968,000		$	64,478,000		$	56,291,000
	Less acquisition and conversion costs		—			—			5,464,000
	Less intangible amortization		5,490,000			5,692,000			3,971,000
	Less one-time SAIF assessments		—			—			—
Operating expenses, adjusted		$	62,478,000		$	58,786,000		$	46,856,000
Other income, excluding acquisition-related adjustments		$	14,321,000		$	13,297,000		$	12,894,000
Net interest income			79,933,000			75,370,000			59,205,000
Total revenue		$	94,254,000		$	88,667,000		$	72,099,000
Operating efficiency			66.29	%		66.30	%		64.99	%

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Computation of Operating Cash Performance Ratios