Exhibit 11

COMPUTATIONS OF PER SHARE EARNINGS

Earnings per share are based on net income divided by the
average number of shares outstanding including common stock
equivalents during the period.

                                    Three months            Six months
                                       ended                  ended
                                     March 31              March 31
(Dollars and shares in                                             
thousands)                     1996        1995        1996      1995
                            ----------- ----------   --------  -------
                                                              
                                                              
Average outstanding shares     80,345     81,375      80,584     81,489
Common stock equivalents                                               
     Primary                    2,573      1,335       2,536      1,335
     Fully diluted              2,721      1,502       2,721      1,502
                                                                       
Total shares                                                           
     Primary                   82,918     82,710      83,120     82,824
     Fully diluted             83,065     82,878      83,305     82,991
                                                                       
Net income                    $75,212    $63,040    $149,163   $126,344
                                                                       
                                                                       
Earnings per share:                                                    
     Primary                    $0.91      $0.76       $1.79      $1.52
     Fully diluted              $0.91      $0.76       $1.79      $1.52