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                                  1995         1994     
                                                                         ----------   ---------- 
                                                                                       
Weighted average number of shares - primary earnings per share:                                  
Common stock outstanding                                                 36,016,137   35,031,333 
Common stock equivalents computed under the                                                      
treasury stock method using average market price                            480,859      490,238 
                                                                         ----------   ---------- 
Total                                                                    36,496,996   35,521,571 
                                                                         ==========   ========== 
                                                                                                 
Weighted average number of shares - fully diluted earnings per share:
Common stock outstanding                                                 36,016,137   35,031,333 
Common stock equivalents computed under the                                                      
treasury stock method using the greater of ending                                                
or average market price                                                     525,579      490,316 
Convertible subordinated debentures                                       2,649,255    2,687,450 
                                                                         ----------   ---------- 
Total                                                                    39,190,971   38,209,099 
                                                                         ==========   ========== 
                                                                                                 
Net income                                                                  $28,748      $25,923 
Interest expense (net of tax) incurred for                                                       
convertible subordinated debentures                                            $571         $579 
                                                                                               
Earnings per share:                                                                                
Primary                                                                        $.79         $.73 
Fully diluted                                                                   .75          .69 
                                                                                          
Computation for the six months ended                                      June 30,     June 30,   
Dollars in thousands except per share data                                  1995         1994     
                                                                         ----------   ---------- 
                                                                                        
Weighted average number of shares - primary earnings per share:                                  
Common stock outstanding                                                 36,409,619   34,971,964 
Common stock equivalents computed under the                                                      
treasury stock method using average market price                            420,401      475,739 
                                                                         ----------   ---------- 
Total                                                                    36,830,020   35,447,703 
                                                                         ==========   ========== 
                                                                                                 
Weighted average number of shares - fully diluted earnings per share:                             
Common stock outstanding                                                 36,409,619   34,971,964 
Common stock equivalents computed under the                                                     
treasury stock method using the greater of ending                                                
or average market price                                                     444,694      476,476 
Convertible subordinated debentures                                       2,662,122    2,687,450 
                                                                         ----------   ---------- 
Total                                                                    39,516,435   38,135,890 
                                                                         ==========   ========== 
                                                                                             
Net income                                                                  $57,016      $48,838 
Interest expense (net of tax) incurred for                                                       
convertible subordinated debentures                                          $1,148       $1,159 
                                                                                                 
Earnings per share:                                                                              
Primary                                                                       $1.55         1.38 
Fully diluted                                                                  1.47         1.31 
  
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