Exhibit 1

Exhibit 1


                                    AGREEMENT


The undersigned  each agree that the Schedule 13D being filed in connection with
their respective  ownership of Common Stock in Allied First Bancorp,  Inc. on or
about June 2, 2003, is being filed by the undersigned as a group.


CONFIRMED AND AGREED TO:


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Date: June 2, 2003                                   Date: June 2, 2003