EXHIBIT 99.1 JOINT FILING AGREEMENT In accordance with Rule 13d-1(k) of the Securities Exchange Act of 1934, as amended, the undersigned agree to the joint filing on behalf of each of them of a statement on Schedule 13D with respect to the common...

EXHIBIT 99.1



JOINT FILING AGREEMENT



In accordance with Rule 13d-1(k) of the Securities Exchange Act of 1934,
as amended, the undersigned agree to the joint filing on behalf of each
of them of a statement on Schedule 13D with respect to the common stock,
without nominal or par value per share, of First Pactrust Bancorp, Inc., and
further agree that this Joint Filing Agreement shall be included as an
Exhibit to such joint filing.  The undersigned further agree that any
amendments to such statement on Schedule 13D shall be filed jointly on
behalf of each of them without the necessity of entering into additional
joint filing agreements.



The undersigned further agree that each party hereto is responsible for
timely filing of such statement on Schedule 13D and any amendments thereto,
and for the completeness and accuracy of the information concerning such
party contained therein; provided that no party is responsible for the
completeness or accuracy of the information concerning any other party,
unless such party knows or has reason to believe that such information is
inaccurate.



This Joint Filing Agreement may be executed in one or more counterparts,
each of which shall be deemed to be an original instrument, but all of
such counterparts together shall constitute but one agreement.



IN WITNESS WHEREOF, the undersigned have executed this Joint Filing
Agreement this 1st day of February, 2007.


  JEWELCOR MANAGEMENT, INC.
  By: /s/ Xxxxxxx Xxxxxxxx
  ----------------------------
  Name:  Xxxxxxx Xxxxxxxx
  Title: President


JEWELCOR INCORPORATED
By: /s/ Xxxxxxx Xxxxxxxx
----------------------------
Name:  Xxxxxxx Xxxxxxxx
Title: President

S.H. HOLDINGS, INC.
By: /s/ Xxxxxxx Xxxxxxxx
----------------------------
Name:  Xxxxxxx Xxxxxxxx
Title: President

  /s/ Xxxxxxx Xxxxxxxx
  Xxxxxxx Xxxxxxxx

 /s/ Xxxxxx Xxxxxxxx
  Xxxxxx Xxxxxxxx

  SH INDEPENDENCE, LLC
  By: /s/ Xxxxxxx Xxxxxxxx
  Name: Xxxxxxx Xxxxxxxx
  Title: Managing Member

  XXXXXXXX FINANCIAL ADVISORS, LLC
  By: SH Independence, LLC, its Managing Member
  By: /s/ Xxxxxxx Xxxxxxxx
  Name: Xxxxxxx Xxxxxxxx
  Title: Manager

  XXXXXXXX OPPORTUNITY FUND, L.P.
  By: Xxxxxxxx Financial Advisors, LLC, its General Partner
  By: SH Independence, LLC, its Managing Member
  By: /s/ Xxxxxxx Xxxxxxxx
  Name: Xxxxxxx Xxxxxxxx
  Title: Manager

  JEWELCOR INVESTMENTS, LLC
  By: Jewelcor Management, Inc. its Managing Member
  By: /s/ Xxxxxxx Xxxxxxxx

  Name:  Xxxxxxx Xxxxxxxx
  Title: President