EXHIBIT 1
JOINT FILING AGREEMENT AMONG FRIEDMAN, BILLINGS, XXXXXX GROUP, INC.,
ORKNEY HOLDINGS, INC., XXXX X. XXXXXXXX, XXXXXXX X. XXXXXXXX
AND W. XXXXXXX XXXXXX
WHEREAS, in accordance with Rule 13d-1(k) under the Securities and Exchange
Act of 1934 (the "Act"), only one joint statement and any amendments thereto
need to be filed whenever one or more persons are required to file such a
statement or any amendments thereto pursuant to Section 13(d) of the Act with
respect to the same securities, provided that said persons agree in writing that
such statement or amendments thereto is filed on behalf of each of them;
NOW, THEREFORE, the parties hereto agree as follows:
FRIEDMAN, BILLINGS, XXXXXX GROUP, INC., ORKNEY HOLDINGS, INC., XXXX X.
XXXXXXXX, XXXXXXX X. XXXXXXXX AND W. XXXXXXX XXXXXX hereby agree, in
accordance with Rule 13d-1(k) under the Act, to file a statement on
Schedule 13G relating to their ownership of Common Stock of the Issuer and do
hereby further agree that said statement shall be filed on behalf of each of
them.
FRIEDMAN, BILLINGS, XXXXXX GROUP, INC.
Dated: February 15, 2001 By: /s/ XXXXXXX X. XXXXXXXX
---------------------------------
Name: Xxxxxxx X. Xxxxxxxx
Title: Chairman
Dated: February 15, 0000 XXXXXX XXXXXXXX, INC.
By: /s/ XXXX X. XXXXXXXXXX
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Name: Xxxx X. Xxxxxxxxxx
Title: President
Dated: February 15, 2001 /s/ XXXX X. XXXXXXXX
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Xxxx X. Xxxxxxxx
/s/ XXXXXXX X. XXXXXXXX
Dated: February 15, 2001 ----------------------------------
Xxxxxxx X. Xxxxxxxx
/s/ W. XXXXXXX XXXXXX
Dated: February 15, 2001 ----------------------------------
W. Xxxxxxx Xxxxxx
