CUMBERLAND MOUNTAIN BANCSHARES INC
SC 13D/A, EX-99.1, 2001-01-08
SAVINGS INSTITUTION, FEDERALLY CHARTERED
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<PAGE>   1


                                                                       EXHIBIT 1

            JOINT ACQUISITION STATEMENT PURSUANT TO RULE 13d-1(f)(1)

        The undersigned acknowledge and agree that the foregoing statement on
Schedule 13D is filed on behalf of each of the undersigned and that all
subsequent amendments to this statement on Schedule 13D shall be filed on behalf
of each of the undersigned without the necessity of filing additional joint
acquisition statements. The undersigned acknowledge that each shall be
responsible for the timely filing of such amendments, and for the completeness
and accuracy of the information concerning it contained herein, but shall not be
responsible for the completeness and accuracy of the information concerning the
other, except to the extent that it knows or has reason to believe that such
information is inaccurate.

Dated: January 8, 2001

<TABLE>
<S>                                                       <C>
MALTA PARTNERS, L.P.                                          MALTA HEDGE FUND, L.P.
By:      SOAM Holdings, LLC,                                  By:      SOAM Holdings, LLC,
         the sole general partner                                      the sole general partner

By:   /s/ Terry Maltese                                       By:   /s/ Terry Maltese
   ------------------------------------                          -------------------------------------
         Terry Maltese                                                 Terry Maltese
         President                                                     President

MALTA PARTNERS II, L.P.                                       MALTA HEDGE FUND II, L.P.
By:      SOAM Holdings, LLC,                                  By:      SOAM Holdings, LLC,
         the sole general partner                                      the sole general partner

By:  /s/Terry Maltese                                         By:  /s/ Terry Maltese
   -----------------------------------                           -----------------------------------------
         Terry Maltese                                                 Terry Maltese
         President                                                     President

MALTA OFFSHORE, LTD.                                          SANDLER O'NEILL ASSET
By:      Sandler O'Neill Asset                                MANAGEMENT LLC
         Management LLC

By:   /s/ Terry Maltese                                       By:   /s/ Terry Maltese
   ----------------------------------                            ---------------------------------------------
                Terry Maltese                                          Terry Maltese
        President                                                      President
SOAM HOLDINGS, LLC                                            TERRY MALTESE

By:   /s/ Terry Maltese                                       /s/ Terry Maltese
   ----------------------------------                         -------------------------------------------
         Terry Maltese                                                 Terry Maltese
         President
</TABLE>


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