EXHIBIT 1
JOINT FILING AGREEMENT AMONG FRIEDMAN, BILLINGS, ▇▇▇▇▇▇ GROUP, INC.,
▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇ AND W. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇
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, ▇▇▇▇▇▇ GROUP, INC., ▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇, ▇▇▇▇▇▇▇ ▇.
▇▇▇▇▇▇▇▇ AND W. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇ 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, ▇▇▇▇▇▇ GROUP, INC.
Dated: May 14, 2001 By: /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
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Name: ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
Title: Chairman
Dated: May 14, 2001 /s/ ▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
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▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
Dated: May 14, 2001 /s/ ▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
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▇▇▇▇▇▇▇ ▇. ▇▇▇▇▇▇▇▇
Dated: May 14, 2001 /s/ W. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇
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W. ▇▇▇▇▇▇▇ ▇▇▇▇▇▇