EXHIBIT 12.01 Ratio of Earnings to Fixed Charges 12-Months Ended September 30, Year Ended December 31, -------------------------------------------------- -------------------------------------------------- 2001 2000 1999 1998 1997 1996 -------------------------------------------------- -------------------------------------------------- (Dollars in Thousands) Income from Continuing $19,831 $17,685 $16,342 $15,186 $14,059 $13,460 Operations Taxes on Income $16,127 $14,881 $13,473 $10,360 $9,830 $10,283 Interest Charges $14,733 $14,350 $12,945 $11,207 $10,157 $10,500 Earnings Available for $50,691 $46,916 $42,760 $36,753 $34,046 $34,243 Fixed Charges Total Fixed Interest $14,733 $14,350 $12,945 $11,207 $10,157 $10,500 Charges Ratio of Earnings to Total 3.44 3.27 3.30 3.28 3.35 3.26 Fixed Charges