EXHIBIT 12

STATEMENTS RE: COMPUTATION OF RATIOS

The following is a computation of Non-GAAP financial ratios:

	Years Ended December 31,
(dollars in thousands, except per share data)	2004			2003			2002			2001			2000
Net Interest Income	$	74,628		$	67,633		$	59,594		$	54,350		$	51,236
Effect of Tax Benefit on Interest Income		2,862			2,603			1,469			427			182
Net Interest Income (TE)(1)		77,490			70,236			61,063			54,777			51,418
Noninterest Income		23,217			23,064			17,866			15,144			12,818
Effect of Tax Benefit on Noninterest Income		896			820			652			149			—
Noninterest Income (TE)(1)		24,113			23,884			18,518			15,293			12,818
Total Revenues (TE)(1)	$	101,603		$	94,120		$	79,581		$	70,070		$	64,236
Total Noninterest Expense	$	54,897		$	50,629		$	44,032		$	41,711		$	39,704
Less Intangible Amortization Expense		(885	)		(781	)		(243	)		(3,151	)		(3,267	)
Tangible Operating Expense(2)	$	54,012		$	49,848		$	43,789		$	38,560		$	36,437
Return on Average Equity		12.98	%		13.05	%		13.12	%		10.83	%		10.75	%
Effect of Intangibles(2)		6.54			6.52			4.66			6.68			8.57
Return on Average Tangible Equity(2)		19.52	%		19.57	%		17.78	%		17.51	%		19.32	%
Efficiency Ratio		56.1	%		55.8	%		56.8	%		60.0	%		62.0	%
Effect of Tax Benefit Related to Tax Exempt Income		(2.1	)		(2.0	)		(1.5	)		(0.5	)		(0.2	)
Efficiency Ratio (TE)(1)		54.0	%		53.8	%		55.3	%		59.5	%		61.8	%
Effect of Amortization of Intangibles		(0.8	)		(0.8	)		(0.3	)		(4.5	)		(5.1	)
Tangible Efficiency Ratio (TE)(1) (2)		53.2	%		53.0	%		55.0	%		55.0	%		56.7	%

⁽¹⁾ Fully taxable equivalent (TE) calculations include the tax benefit associated with related income sources that are tax-exempt using a marginal tax rate of 35%.

⁽²⁾ Tangible calculations eliminate the effect of goodwill and acquisition related intangible assets and the corresponding amortization expense on a tax-effected basis where applicable.