JOINT FILING AGREEMENT

CUSIP No. 000000000                                          Page 23 of 24 Pages


                                                                       EXHIBIT 1

                             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:    February 4, 2002


                    -----------------------------------------------------------
                     FINANCIAL EDGE FUND, L.P.

                     By:   PL CAPITAL, LLC
                           General Partner

                     By:   /s/ Xxxx Xxxxxx      /s/ Xxxxxxx Xxxxxxx
                           Xxxx Xxxxxx          Xxxxxxx Xxxxxxx
                           Managing Member      Managing Member

                     -----------------------------------------------------------
                     FINANCIAL EDGE-STRATEGIC FUND, L.P.

                     By:   PL CAPITAL, LLC
                           General Partner

                     By:   /s/ Xxxx Xxxxxx      /s/ Xxxxxxx Xxxxxxx
                           Xxxx Xxxxxx          Xxxxxxx Xxxxxxx
                           Managing Member      Managing Member

                     -----------------------------------------------------------
                     PL CAPITAL, LLC

                     By:   /s/ Xxxx Xxxxxx      /s/ Xxxxxxx Xxxxxxx
                           Xxxx Xxxxxx          Xxxxxxx Xxxxxxx
                           Managing Member      Managing Member

                     -----------------------------------------------------------
                     GOODBODY/PL CAPITAL, L.P.

                     By:   GOODBODY/PL CAPITAL, LLC
                           General Partner

                     By:/s/Xxxx Xxxxxx  /s/ Xxxxxxx Xxxxxxx /s/ Xxxxxxx Xxxxxxxx
                        Xxxx Xxxxxx     Xxxxxxx Xxxxxxx     Xxxxxxx Xxxxxxxx
                        Managing Member Managing Member     Managing Member

                     -----------------------------------------------------------

CUSIP No. 000000000                                          Page 24 of 24 Pages



                     -----------------------------------------------------------
                     GOODBODY/PL CAPITAL, LLC

                     By:/s/ Xxxx Xxxxxx /s/ Xxxxxxx Xxxxxxx /s/ Xxxxxxx Xxxxxxxx
                        Xxxx Xxxxxx     Xxxxxxx Xxxxxxx     Xxxxxxx Xxxxxxxx
                        Managing Member Managing Member     Managing Member

                     -----------------------------------------------------------
                     ARCHIMEDES OVERSEAS, LTD

                     By:   GOODBODY/PL CAPITAL, LLC

                     By:/s/ Xxxx Xxxxxx /s/ Xxxxxxx Xxxxxxx /s/ Xxxxxxx Xxxxxxxx
                        Xxxx Xxxxxx     Xxxxxxx Xxxxxxx     Xxxxxxx Xxxxxxxx
                        Managing Member Managing Member     Managing Member

                     -----------------------------------------------------------


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By: /s/ Xxxx Xxxxxx
     Xxxx Xxxxxx

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By: /s/ Xxxxxxx Xxxxxxx
     Xxxxxxx Xxxxxxx

---------------------------------

By: /s/ Xxxxxxx Xxxxxxxx
     Xxxxxxx Xxxxxxxx

---------------------------------

By: /s/ Xxxxxxx Fates
     Xxxxxxx Fates

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