Exhibit 11.
Computation of Weighted Average Shares Outstanding and Earnings Per Share
Shares Outstanding End of Month - 3rd Quarter
2001
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July 3,979,483
August 3,979,483
September 3,979,483
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11,938,449
Divided by: 3 months
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3,979,483
============
Net Income 1,334,354
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Net Income Per Share - Basic $ 0.34
Shares Outstanding End of Month - YTD
January 3,981,008
February 3,979,483
March 3,979,483
April 3,979,483
May 3,979,483
June 3,979,483
July 3,979,483
August 3,979,483
September 3,979,483
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35,816,872
Divided by: 9 months
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3,979,652
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Net Income 4,208,875
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Net Income Per Share - Basic & Diluted $ 1.06
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