EXHIBIT 1
JOINT FILING AGREEMENT AMONG FRIEDMAN, BILLINGS, RAMSEY GROUP, INC.,
ERIC F. BILLINGS, EMANUEL J. FRIEDMAN AND W. RUSSELL RAMSEY
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, RAMSEY GROUP, INC., ERIC F. BILLINGS, EMANUEL J.
FRIEDMAN AND W. RUSSELL RAMSEY 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, RAMSEY GROUP, INC.
Dated: June 12, 2000 By: /s/ Emanuel J. Friedman
---------------------------------
Name: Emanuel J. Friedman
Title: Chairman
Dated: June 12, 2000 /s/ Eric F. Billings
----------------------------------
Eric F. Billings
/s/ Emanuel J. Friedman
Dated: June 12, 2000 ----------------------------------
Emanuel J. Friedman
/s/ W. Russell Ramsey
Dated: June 12, 2000 ----------------------------------
W. Russell Ramsey
<PAGE>
Item 9. Notice of Dissolution of Group:
Not Applicable
Item 10. Certification:
By signing below I certify that, to the best of my knowledge
and belief, the securities referred to above were acquired
and are held in the ordinary course of business and were not
acquired and are not held for the purpose of or with the
effect of changing or influencing the control of the issuer
of the securities and were not acquired and are not held in
connection with or as a participant in any transaction having
that purpose or effect.
In accordance with Rule 13d-4 of the Securities Exchange Act
of 1934, each of the persons filing this statement expressly
disclaims the beneficial ownership of the securities covered
by this statement and the filing of this report shall not be
construed as an admission by such persons that they are the
beneficial owners of such securities.
SIGNATURE
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and
correct.
Dated: June 12, 2000 FRIEDMAN, BILLINGS, RAMSEY GROUP, INC.
By:
------------------------------------------
Name: Emanuel J. Friedman
Title: Chairman
Dated: June 12, 2000
------------------------------------------
Eric F. Billings
Dated: June 12, 2000 ------------------------------------------
Emanuel J. Friedman
Dated: June 12, 2000 ------------------------------------------
W. Russell Ramsey
Copy Page for Original Signatures
<PAGE>
EXHIBIT 1
JOINT FILING AGREEMENT AMONG FRIEDMAN, BILLINGS, RAMSEY GROUP, INC.,
ERIC F. BILLINGS, EMANUEL J. FRIEDMAN AND W. RUSSELL RAMSEY
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, RAMSEY GROUP, INC., ERIC F. BILLINGS, EMANUEL J.
FRIEDMAN AND W. RUSSELL RAMSEY 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.
Dated: June 12, 2000 FRIEDMAN, BILLINGS, RAMSEY GROUP, INC.
By:
------------------------------------------
Name: Emanuel J. Friedman
Title: Chairman
Dated: June 12, 2000
------------------------------------------
Eric F. Billings
Dated: June 12, 2000 ------------------------------------------
Emanuel J. Friedman
Dated: June 12, 2000 ------------------------------------------
W. Russell Ramsey
