JOINT FILING AGREEMENT
EXHIBIT 99.1
Pursuant to Rule 13D-1(k)(1) under the Securities Exchange Act of 1934, 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.
This Joint Filing Agreement may be signed in counterparts with the same effect as if the signature on each counterpart were upon the same instrument.
Date: November 20, 2003
▇▇▇▇▇▇ LIMITED, L.P.
By:/s/ ▇▇▇▇▇▇ ▇. Bruner_____________
▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇, Manager,
Financial Junk, LLC, General Partner
FINANCIAL JUNK, LLC.
By:/s/ ▇▇▇▇▇▇ ▇. Bruner_____________
▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇, Manager
▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ III
By:/s/ ▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇ III__________
▇▇▇▇ ▇▇▇▇▇▇ ▇▇▇▇▇▇, III, Individual
▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇
By:/s/ ▇▇▇▇▇▇ ▇.
▇▇▇▇▇▇
▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇, Individual