EXHIBIT 11 - Statement regarding computation of per share earnings              
                                                      
                                                      
                                             
Computation for the quarter ended                       June 30,      June 30,    
(Dollars in thousands, except per share data)             1994          1993      
                                                         ----------    ---------- 
                                                                         
Primary earnings per share:                                                       
Weighted average number of shares                        35,031,333    32,514,850 
Common stock equivalents computed under the                                       
treasury stock method using average market price            490,238       456,407 
                                                         ----------    ---------- 
Total                                                    35,521,571    32,971,257 
                                                         ==========    ========== 
                                                                                  
Fully diluted earnings per share:                                                 
Weighted average number of shares                        35,031,333    32,514,850 
Common stock equivalents computed under the                                       
treasury stock method using the greater of ending                                 
or average market price                                     490,316       461,650 
Other potentially dilutive securities                     2,687,450     2,687,450 
                                                         ----------    ---------- 
Total                                                    38,209,099    35,663,950 
                                                         ==========    ========== 
                                                                                  
Net income                                                  $25,923       $20,814 
Interest expense (net of tax) incurred for other                                  
potentially dilutive securities                                $579          $579 
                                                                                  
Earnings per share:                                                               
Primary                                                        $.73          $.63 
Fully diluted                                                   .69           .60 
                                                                         
Computation for the six months ended                    June 30,      June 30,    
(Dollars in thousands, except per share data)             1994          1993      
                                                         ----------    ---------- 
                                                                         
Primary earnings per share:                                                       
Weighted average number of shares                        34,971,964    32,444,966 
Common stock equivalents computed under the                                       
treasury stock method using average market price            475,739       485,940 
                                                         ----------    ---------- 
Total                                                    35,447,703    32,930,906 
                                                         ==========    ========== 
                                                                                  
Fully diluted earnings per share:                                                 
Weighted average number of shares                        34,971,964    32,444,966 
Common stock equivalents computed under the                                       
treasury stock method using the greater of ending                                 
or average market price                                     476,476       488,583 
Other potentially dilutive securities                     2,687,450     2,687,450 
                                                         ----------    ---------- 
Total                                                    38,135,890    35,620,999 
                                                         ==========    ========== 
                                                                                  
Net income                                                  $48,838       $38,979 
Interest expense (net of tax) incurred for other                                  
potentially dilutive securities                              $1,159        $1,159 
                                                                                  
Earnings per share:                                                               
Primary                                                       $1.38          1.18 
Fully diluted                                                  1.31          1.13