MOBILE AMERICA CORP
SC 13D, EX-1, 2000-12-18
FIRE, MARINE & CASUALTY INSURANCE
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CUSIP No. 607235504
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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
14 day of December, 2000.

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                                  /s/ R. Lee Smith
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                                  R. Lee Smith




                                  /s/ Allan J. McCorkle
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                                  Allan J. McCorkle
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