EXHIBIT 1
JOINT FILING AGREEMENT
THIS WILL CONFIRM THE AGREEMENT BY AND AMONG ALL OF THE UNDERSIGNED
THAT THE SCHEDULE 13D FILED ON OR ABOUT THIS DATE WITH RESPECT TO THE BENEFICIAL
OWNERSHIP BY THE UNDERSIGNED OF SHARES OF COMMON STOCK, PAR VALUE $1.00 PER
SHARE, OF FLAG FINANCIAL CORPORATION IS BEING FILED ON BEHALF OF EACH OF THE
UNDERSIGNED.
FURTHERMORE, EACH OF THE UNDERSIGNED DOES HEREBY MAKE, CONSTITUTE AND
APPOINT XXXXXXX X. XXXXXXXX, XX THEIR TRUE AND LAWFUL ATTORNEY-IN-FACT TO
EXECUTE ANY AND ALL INSTRUMENTS IN HIS OR HER NAME, NECESSARY OR ADVISABLE TO
COMPLY WITH SECTIONS 13(d) OF THE SECURITIES EXCHANGE ACT OF 1934, AS AMENDED,
AND ANY RULES, REGULATIONS AND REQUIREMENTS OF THE SECURITIES AND EXCHANGE
COMMISSION PROMULGATED PURSUANT THERETO, IN CONNECTION WITH HIS OR HER OWNERSHIP
OF COMMON STOCK, AND ANY AND ALL AMENDMENTS THERETO AND TO FILE THE SAME WITH
ALL EXHIBITS THERETO AND OTHER DOCUMENTS IN CONNECTION THEREWITH.
THIS AGREEMENT MAY BE EXECUTED IN ONE OR MORE COUNTERPARTS BY EACH OF
THE UNDERSIGNED, AND EACH OF WHICH, TAKEN TOGETHER, SHALL CONSTITUTE BUT ONE AND
THE SAME INSTRUMENT.
DATE: August 1, 2003
/s/ XXXXXXX X. XXXXXXXX, XX
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XXXXXXX X. XXXXXXXX, XX
/s/ XXXXXXX XXXXXX, XX.
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XXXXXXX XXXXXX, XX.
/s/ XXXXXXX X. XXXXXXXX, XX
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ESTATE OF XXXXXXXX X. XXXXXXXX, XX, XXXXXXX
X. XXXXXXXX, XX, EXECUTOR
/s/ XXXXX X. XXXX
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XXXXX X. XXXX
/s/ XXXXXX X. XXXXXXXX
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XXXXXX X. XXXXXXXX
/s/ XXXX X. XXXXXXX
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XXXX X. XXXXXXX
/s/ XXX XXXXXXXX
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XXX XXXXXXXX
SOUTHERN TRUST INSURANCE CORPORATION
BY /s/ XXXXXXX X. XXXXXXXX, XX
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XXXXXXX X. XXXXXXXX, XX,
CHIEF EXECUTIVE OFFICER, PRESIDENT
VHA PARTNERS, LP
BY /s/ XXXXXXX X. XXXXXXXX, XX
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XXXXXXX X. XXXXXXXX, XX,
PRESIDENT OF SANTEE MANAGEMENT
CORPORATION, GENERAL PARTNER
TRUST FBO XXXXXXX X. XXXXXXXX, III
BY /s/ XXXXXXX X. XXXXXXXX, XX,
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XXXXXXX X. XXXXXXXX, XX,
TRUSTEE
