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EXHIBIT 1
JOINT FILING AGREEMENT
Pursuant to Rule 13d-1(f)(1) under the Securities Exchange Act of
1934, as amended, the undersigned hereby agree that the Schedule 13D to which
this Joint Filing Agreement is being filed as an exhibit shall be a joint
statement filed on behalf of each of the undersigned.
Date: June 5, 2000
STILWELL VALUE PARTNERS I, L.P.
/s/ Joseph Stilwell
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By: STILWELL VALUE LLC
General Partner
/s/ Joseph Stilwell
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By: Joseph Stilwell
Managing and Sole Member
STILWELL PARTNERS, L.P.
/s/ Joseph Stilwell
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By: Joseph Stilwell
General Partner
STILWELL ASSOCIATES, L.P.
/s/ Joseph Stilwell
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By: Joseph Stilwell
General Partner
STILWELL VALUE LLC
/s/ Joseph Stilwell
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By: Joseph Stilwell
Managing and Sole Member
JOSEPH STILWELL
/s/ Joseph Stilwell
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Joseph Stilwell