MOBILE AMERICA CORP
SC 13D, EX-1, 2000-11-28
FIRE, MARINE & CASUALTY INSURANCE
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EXHIBIT 1

                             JOINT FILING AGREEMENT

         In accordance with Rule 13d-1(k) under the Securities Exchange Act
of 1934, as amended, the undersigned hereby acknowledge and agree that the
Statements on Schedule 13D (the "Statements") with respect to the common
stock, par value $..025 per share, of Fortune Financial, Inc., to which this
Agreement is attached as Exhibit 1, were filed on behalf of each of the
undersigned and that all subsequent amendments to such Statements shall be
filed on behalf of each of the undersigned without the necessity of filing
additional joint filing agreements. 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 or him contained
herein, but shall not be responsible for the completeness and accuracy of the
information concerning the other entities or persons, except to the extent
that he or it knows or has reason to believe that such information is
inaccurate. 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 27th day of November, 2000.

                                           HAWKEYE, INC.

                                           By /s/ ARTHUR L. CAHOON
                                             --------------------------------
                                                  Arthur L. Cahoon
                                                  President

                                          /s/ ARTHUR L. CAHOON
                                          -----------------------------------
                                          Arthur L. Cahoon



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