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 a 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: August 23, 2000 By:/s/ EMANUEL J. FRIEDMAN
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Name: Emanuel J. Friedman
Title: Chairman
Dated: August 23, 2000 /s/ ERIC F. BILLINGS
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Eric F. Billings
Dated: August 23, 2000 /s/ EMANUEL J. FRIEDMAN
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Emanuel J. Friedman
Dated: August 23, 2000 /s/ W. RUSSELL RAMSEY
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W. RUSSELL RAMSEY
