CUMMER MOYERS HOLDINGS INC
SC 13D, EX-99, 2000-10-11
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                                  EXHIBIT 99

                             JOINT FILING AGREEMENT

     In accordance with Rule 13d-1(k) under the Securities Exchange Act of 1934,
as amended, the undersigned hereby agree to the joint filing with all other
Reporting Persons (as such term is defined in the Schedule 13D referred to
below) on behalf of each of them of a statement on Schedule 13D (including
amendments thereto) with respect to the Common Stock, $0.01 par value per share,
of Pinnacle Global Group, Inc. and that this Agreement be included as an Exhibit
to such joint filing.  This Agreement may be executed in any number of
counterparts all of which taken together shall constitute one and the same
instrument.

     IN WITNESS WHEREOF, the undersigned hereby execute this Agreement this 10th
day of October, 2000.

                                    Cummer/Moyers Holdings, Inc.



                                    By:  /s/ Jeffrey A. Cummer
                                       ---------------------------------
                                         Jeffrey A. Cummer, President



                                    /s/ Jeffrey A. Cummer
                                    ------------------------------------
                                         Jeffrey A. Cummer



                                    /s/  Dwayne A. Moyers
                                    ------------------------------------
                                         Dwayne A. Moyers


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