Exhibit 11
     Statement Regarding Computation of Per Share Earnings
                                             
                                                                               
   Three Months
                                                                               
 Ended March 31,
                                                                               
1997            1996                  
                                                                  (In
Thousands, Except Per Share Data)
                                                                          
                                       

Primary net income per share
Net income:
  Net income as  reported                                        $10,092      
$11,628       

 Weighted average number
    of common shares  outstanding                            18,179        
19,463       
 Common stock equivalents
                                                                               
       -                   -                          
 Primary shares                                                         18,179 
       19,463      
Primary net income   per share                               $     .56       
$      .60       

Fully diluted net income per share
  Net income as  reported                                        $10,092      
$11,628       

 Weighted average number
     of common shares  outstanding                           18,179        
19,463       

  Common stock equivalents                                         150         
    298        
  Fully diluted shares                                                18,329   
     19,761        

Fully diluted net income  per share                         $    .55         $ 
  .59