Exhibit No. 11

                       Computation for Earnings Per Share
        For the Three and Nine Months Ended September 30, 1994 and 1993
                (amounts in millions except for per-share data)
                                   Unaudited

 
 
                                    Three Months Ended    Nine Months Ended
                                       September 30         September 30
                                    ------------------    -----------------
                                     1994         1993     1994        1993
                                     ----         ----     ----        ----
                                                          
PRIMARY                                                  
- - -------                                                  
                                                         
Common Stock and Common Stock Equivalents                
- - -----------------------------------------                
Average number of common shares                          
  outstanding including shares                            
  issuable under stock options       37.8         37.5     37.8        37.5
                                    =====        =====   ======       =====
                                                         
Net Earnings Per Share                                   
- - ----------------------                                   
Net earnings                        $61.6        $42.3   $162.9       $85.5
Less:                                                    
  Dividend requirement on Series A                       
    convertible preferred stock       4.8          4.8     14.3        14.4
Plus:                                                    
  Tax benefit on dividends                               
    applicable to unallocated                            
    preferred shares                  1.3          1.4      3.7         4.0
                                    -----        -----   ------       -----
Net earnings applicable                                  
  to common stock                   $58.1        $38.9   $152.3       $75.1
                                    =====        =====   ======       =====
Net earnings per share of common                         
  stock                             $1.54        $1.04   $ 4.03       $2.01
                                    =====        =====   ======       =====
                                                         
FULLY DILUTED                                            
- - -------------                                            
                                                         
Common Stock and Common Stock Equivalents                
- - -----------------------------------------                
Average number of common shares                          
  outstanding including shares                           
  issuable under stock options       37.8         37.5     37.8        37.5
Average number of common shares                          
  issuable under the Employee                            
  Stock Ownership Plan                5.7          5.7      5.6         5.6
                                    -----        -----   ------       -----
Average number of common and common                      
  equivalent shares outstanding      43.5         43.2     43.4        43.1
                                    =====        =====   ======       =====
                                                         
Pro forma Adjustment to Net Earnings                     
- - ------------------------------------                     
Net earnings as reported            $61.6        $42.3   $162.9       $85.5
Less:                                                    
  Increased contribution to Employee                     
    Stock Ownership Plan assuming                        
    conversion of preferred shares                       
    to common                         2.0          2.0      5.9         6.1
  Net reduction in tax benefits                        
    assuming conversion of Employee                      
    Stock Ownership Plan preferred                       
    shares to common                   .2           .2       .8          .7
                                    -----        -----   ------       -----
Pro forma net earnings              $59.4        $40.1   $156.2       $78.7
                                    =====        =====   ======       =====
                                                         
Fully diluted net earnings per                           
  share                             $1.37        $ .93   $ 3.60       $1.83
                                    =====        =====   ======       =====


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