AGREEMENT RELATING TO FILING OF JOINT STATEMENT PURSUANT TO RULE 13d-1(k) UNDER THE SECURITIES ACT OF 1934

EXHIBIT 1


                         AGREEMENT RELATING TO FILING OF
                           JOINT STATEMENT PURSUANT TO
                             RULE 13d-1(k) UNDER THE
                             SECURITIES ACT OF 1934

     The  undersigned  agree that the  Statement  on Schedule  13D to which this
Agreement is attached is filed on behalf of each of them.



Date: October 5, 2001                     /s/ Xxxx X. Xxxxxx
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                                          Xxxx X. Xxxxxx


                                          /s/ Xxxxx X. Xxxxxx
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                                          Xxxxx X. Xxxxxx


                                          Liberty Financial Group, Inc.


                                          By:/s/ Xxxx X. Xxxxxx
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                                          Xxxx X. Xxxxxx
                                          President