<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 10, 2000
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<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
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