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EXHIBIT 11
STATEMENT REGARDING COMPUTATION OF PER SHARE EARNINGS
Years ended December 31, | |||
2001 | 2000 | 1999 | |
Average basic common shares outstanding | 2,625,241 | 2,628,998 | 2,651,910 |
Average diluted common shares outstanding | 2,642,008 | 2,629,733 | 2,652,836 |
Net income | $1,059,078 | $320,893 | $4,266,286 |
Basic and diluted earnings per common share | $0.40 | $ 0.12 | $ 1.61 |