EXHIBIT 1 AGREEMENT REGARDING JOINT FILING UNDER UNDER RULE 13D-1(K) OF THE EXCHANGE ACT In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as amended, each of the undersigned agrees to the filing on behalf of each of a...

                                    EXHIBIT 1

                     AGREEMENT REGARDING JOINT FILING UNDER
                     UNDER RULE 13D-1(K) OF THE EXCHANGE ACT

In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934, as
amended, each of the undersigned agrees to the filing on behalf of each of a
Statement on Schedule 13D, and all amendments thereto, with respect to the
shares of common stock, no par value, of Heartland Bancshares, Inc.


                                  Dated:  September 5, 2002

                                  /s/ Xxxxxx X. Xxxxxx
                                  -------------------------------------
                                  Xxxxxx X. Xxxxxx

                                  Xxxxx Partners LLC



                                  By: /s/ Xxxxxx X. Xxxxxx
                                      ---------------------------------
                                      Xxxxxx X. Xxxxxx, Managing Member