EXHIBIT 1
JOINT FILING AGREEMENT AMONG FRIEDMAN, BILLINGS, XXXXXX GROUP, INC.,
ORKNEY HOLDINGS, INC., XXXX X. XXXXXXXX, XXXXXXX X. XXXXXXXX
AND W. XXXXXXX XXXXXX
WHEREAS, in accordance with Rule 13d-1(k) under the Securities and Exchange
Act of 1934 (the "Act"), only one joint statement and any amendments thereto
need to be filed whenever one or more persons are required to file such a
statement or any amendments thereto pursuant to Section 13(d) of the Act with
respect to the same securities, provided that said persons agree in writing that
such statement or amendments thereto is filed on behalf of each of them;
NOW, THEREFORE, the parties hereto agree as follows:
FRIEDMAN, BILLINGS, XXXXXX GROUP, INC., ORKNEY HOLDINGS, INC., XXXX X.
XXXXXXXX, XXXXXXX X. XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in accordance
with Rule 13d-1(k) under the Act, to file a statement on Schedule 13G relating
to their ownership of Common Stock of the Issuer and do hereby further agree
that said statement shall be filed on behalf of each of them. FRIEDMAN,
BILLINGS, XXXXXX GROUP, INC.
Dated: September 13, 2001 By: /s/ XXXXXXX X. XXXXXXXX
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Name: Xxxxxxx X. Xxxxxxxx
Title: Chairman
Dated: September 13, 2001 ORKNEY HOLDINGS, INC.
By: /s/ XXXX X. XXXXXXXXXX
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Name: Xxxx X. Xxxxxxxxxx
Title: President
Dated: September 13, 2001 /s/ XXXX X. XXXXXXXX
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Xxxx X. Xxxxxxxx
/s/ XXXXXXX X. XXXXXXXX
Dated: September 13, 2001 ----------------------------------
Xxxxxxx X. Xxxxxxxx
/s/ W. XXXXXXX XXXXXX
Dated: September 13, 2001 ----------------------------------
W. Xxxxxxx Xxxxxx
