JOINT FILING AGREEMENT Pursuant to Rule 13d-1(f)(1) under the Securities Exchange Act of 1934, as amended, the undersigned hereby agree that the Schedule 13D to which this Joint Filing Agreement is being filed as an exhibit shall be a joint statement...

                            JOINT FILING AGREEMENT

         Pursuant to Rule 13d-1(f)(1) under the Securities Exchange Act of 1934,
as amended, the undersigned hereby agree that the Schedule 13D to which this
Joint Filing Agreement is being filed as an exhibit shall be a joint statement
filed on behalf of each of the undersigned.

Date: October 1, 1996

                         LaSALLE/KROSS PARTNERS, LIMITED PARTNERSHIP

                         By: LaSALLE CAPITAL MANAGEMENT, INC.
                               a General Partner

                         By:  /S/ XXXXXXX X. XXXXXX
                             Xxxxxxx X. Xxxxxx, President


                          /S/ XXXXXXX X. XXXXXX
                         Xxxxxxx X. Xxxxxx


                          /S/ XXXXXXX X. XXXXXX
                         Xxxxxxx X. Xxxxxx