NATIONAL DISCOUNT BROKERS GROUP INC
SC 13G, EX-99.A, 2000-09-21
SECURITY BROKERS, DEALERS & FLOTATION COMPANIES
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                                                             Page 14 of 17 Pages


                                    EXHIBIT A



                             JOINT FILING AGREEMENT


                  The  undersigned  hereby agree that the  statement on Schedule
13G with respect to the Common Stock of National  Discount Brokers Group,  Inc.,
dated as of  September  20,  2000,  is, and any  amendments  thereto  (including
amendments on Schedule 13D) signed by each of the undersigned shall be, filed on
behalf of each of us pursuant to and in accordance  with the  provisions of Rule
13d-1(k) under the Securities Exchange Act of 1934.

Date:  September 20, 2000           WHITE ROCK CAPITAL PARTNERS, L.P.

                                    By:      White Rock Capital Management, L.P.
                                             Its General Partner

                                             By:      White Rock Capital, Inc.
                                                      Its General Partner

                                                      By: /s/ Paula Storey
                                                          ----------------------
                                                          Paula Storey
                                                          Attorney-in-Fact

Date:  September 20, 2000                   WHITE ROCK CAPITAL MANAGEMENT, L.P.

                                            By:      White Rock Capital, Inc.
                                                     Its General Partner

                                                     By: /s/ Paula Storey
                                                         -----------------------
                                                         Paula Storey
                                                         Attorney-in-Fact

Date:  September 20, 2000                   WHITE ROCK CAPITAL, INC.

                                                     By: /s/ Paula Storey
                                                         -----------------------
                                                         Paula Storey
                                                         Attorney-in-Fact

Date:  September 20, 2000                   THOMAS U. BARTON

                                                     By: /s/ Paula Storey
                                                         -----------------------
                                                         Paula Storey
                                                         Attorney-in-Fact

Date:  September 20, 2000                   JOSEPH U. BARTON

                                                     By: /s/ Paula Storey
                                                         -----------------------
                                                         Paula Storey
                                                         Attorney-in-Fact



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