EXHIBIT 11 - Statement regarding computation of per share earnings  
                                                              
                                                                               
Computation for the quarter ended                                      March 31,
Dollars in thousands except per share data                        1995         1994     
                                                                ----------   ---------- 
                                                                               
Primary earnings per share:                                                             
Weighted average number of shares                               36,807,474   34,911,936 
Common stock equivalents computed under the                                             
treasury stock method using average market price                   359,271      461,078 
                                                                ----------   ---------- 
Total                                                           37,166,745   35,373,014 
                                                                ==========   ========== 
                                                                                        
Fully diluted earnings per share:                                                       
Weighted average number of shares                               36,807,474   34,911,936 
Common stock equivalents computed under the                                             
treasury stock method using the greater of ending                                       
or average market price                                            362,911      462,483 
Other potentially dilutive securities                            2,675,133    2,687,450 
                                                                ----------   ---------- 
Total                                                           39,845,518   38,061,869 
                                                                ==========   ========== 
                                                                                        
Net income                                                         $28,268      $22,915 
Interest expense (net of tax) incurred for other                                        
potentially dilutive securities                                       $577         $579 
                                                                                        
Earnings per share:                                                                     
Primary                                                               $.76         $.65 
Fully diluted                                                          .72          .62