EXHIBIT 1 JOINT FILING AGREEMENT The undersigned agree that the amendment to the statement on Schedule 13D to which this Agreement is attached is filed on behalf of each of them pursuant to Rule 13d-1(k). May 19, 1999 Gregory M. Shepard /s/ Gregory M....Joint Filing Agreement • May 19th, 1999 • Shepard Gregory M • Fire, marine & casualty insurance
