EXHIBIT 1
JOINT FILING AGREEMENT AMONG FRIEDMAN, BILLINGS, XXXXXX GROUP, INC.,
XXXX X. XXXXXXXX AND XXXXXXX X. XXXXXXXX
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., XXXX X. XXXXXXXX AND XXXXXXX X. XXXXXXXX
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: July 11, 2002 By: /s/ XXXXXXX X. XXXXXXXX
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Name: Xxxxxxx X. Xxxxxxxx
Title: Chairman
Dated: July 11, 2002 /s/ XXXX X. XXXXXXXX
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Xxxx X. Xxxxxxxx
Dated: July 11, 2002 /s/ XXXXXXX X. XXXXXXXX
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Xxxxxxx X. Xxxxxxxx