1 EXHIBIT A Consent Agreement Pursuant to 17 C.F.R. Section 13d-1(f)(1) Each of the undersigned hereby consents and agrees to the filing on behalf of each of them of the foregoing joint statement on Schedule 13D pursuant to 17 C.F.R. 13d-1(f)(1) with...

   1
                                                                       EXHIBIT A

         Consent Agreement Pursuant to 17 C.F.R. Section 13d-1(f)(1)

          Each of the undersigned hereby consents and agrees to the filing on
behalf of each of them of the foregoing joint statement on Schedule 13D
pursuant to 17 C.F.R. 13d-1(f)(1) with respect to his/its beneficial ownership
of the shares of the Issuer.

                                   FINANCIAL INSTITUTION PARTNERS II, L.P.,
                                   by its General Partner, XXXXX CAPITAL, L.L.C.
                            
                                   By:   /s/ Xxxx X. Xxxxx
                                        --------------------------------------
                                   Its: Manager
                            
                                   XXXXX CAPITAL, L.L.C.
                            
                                   By:   /s/ Xxxx X. Xxxxx
                                        ------------------
                                   Its: Manager
                          
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