JOINT FILING AGREEMENT In accordance with Rule 13d-1(f) under the Securities Exchange Act of 1934, the persons named below agree to the joint filing on behalf of each of them of a Statement on Schedule 13G (including amendments thereto) with respect...

                                    EXHIBIT 1

                  THIS DOCUMENT HAS BEEN SIGNED IN COUNTERPART

                             JOINT FILING AGREEMENT


                  In accordance with Rule 13d-1(f) under the Securities Exchange
Act of 1934, the persons named below agree to the joint filing on behalf of each
of them of a Statement  on Schedule  13G  (including  amendments  thereto)  with
respect to the common stock of RESOURCE  BANCSHARES  MORTGAGE  GROUP,  INC., and
further agree that this Joint Filing Agreement be included as an Exhibit to such
joint  filings.  In  evidence  thereof  each  of  the  undersigned,  being  duly
authorized,  hereby  execute this  Agreement on the date set forth  opposite its
name.

                                        BENEFIT CAPITAL MANAGEMENT
                                         CORPORATION



Dated:  February 12, 1998               By:/s/ Xxx XxXxxxx
                                          Xxxxx XxXxxxx, Chief Financial Officer


                                        UNION CARBIDE CORPORATION



Dated:  February 12, 1998               By:/s/ X. XxXxxxxx
                                           Name: Xxxx XxXxxxxx
                                           Title: Secretary