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CUSIP No. 133425108 SCHEDULE 13D Page 1 of 15
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UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
SCHEDULE 13D
Under the Securities Exchange Act of 1934
NEW FILING
CAMERON FINANCIAL CORPORATION
(Name of Issuer)
COMMON STOCK
(Title of Class of Securities)
133425108
(CUSIP Number)
Mr. Joseph Stilwell
26 Broadway, 23rd Floor
New York, New York 10004
(212) 269-5800
(Name, Address and Telephone Number of Person
Authorized to Receive Notices and Communications)
June 27, 2000
(Date of Event which Requires Filing of this Statement)
If the filing person has previously filed a statement on Schedule 13G to report
the acquisition that is the subject of this Schedule 13D, and is filing this
schedule because of ss.ss.240.13d-1(e), 240.13d-(f) or 240.13d-1(g), check the
following box. [ ]
The remainder of this cover page shall be filled out for a reporting person's
initial filing on this form with respect to the subject class of securities, and
for any subsequent amendment containing information which would alter
disclosures provided in a prior cover page.
The information required on the remainder of this cover page shall not be deemed
to be "filed" for the purpose of Section 18 of the Securities Exchange Act of
1934 ("Act") or otherwise subject to the liabilities of that section of the Act
but shall be subject to all other provisions of the Act (however, see the
Notes).
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CUSIP No. 133425108 SCHEDULE 13D Page 2 of 15
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1 NAMES OF REPORTING PERSONS.
S.S OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS (ENTITIES ONLY)
Stilwell Value Partners I, L.P.
______________________________________________________________________________
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [X]
(See Instructions) (b) [ ]
______________________________________________________________________________
3 SEC USE ONLY
______________________________________________________________________________
4 SOURCE OF FUNDS
WC, OO
______________________________________________________________________________
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) OR 2(e) [ ]
______________________________________________________________________________
6 CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
_______________________________________________________________________________
| |
NUMBER OF | 7 | SOLE VOTING POWER
SHARES | | 0
BENEFICIALLY |_____|________________________________________________________
OWNED BY | |
EACH | 8 | SHARED VOTING POWER
REPORTING | | 134,000
PERSON WITH |_____|________________________________________________________
| |
| 9 | SOLE DISPOSITIVE POWER
| | 0
|_____|________________________________________________________
| |
| 10 | SHARED DISPOSITIVE POWER
| | 134,000
_______________|_____|_________________________________________________________
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
134,000
______________________________________________________________________________
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES
CERTAIN SHARES (See Instructions) [ ]
______________________________________________________________________________
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
7%
______________________________________________________________________________
14 TYPE OF REPORTING PERSON (See Instructions)
PN
______________________________________________________________________________
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CUSIP No. 133425108 SCHEDULE 13D Page 3 of 15
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1 NAMES OF REPORTING PERSONS.
S.S OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS
Stilwell Associates, L.P.
______________________________________________________________________________
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [X]
(See Instructions) (b) [ ]
______________________________________________________________________________
3 SEC USE ONLY
______________________________________________________________________________
4 SOURCE OF FUNDS
WC, OO
______________________________________________________________________________
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) OR 2(e) [ ]
______________________________________________________________________________
6 CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
_______________________________________________________________________________
| |
NUMBER OF | 7 | SOLE VOTING POWER
SHARES | | 0
BENEFICIALLY |_____|________________________________________________________
OWNED BY | |
EACH | 8 | SHARED VOTING POWER
REPORTING | | 134,000
PERSON WITH |_____|________________________________________________________
| |
| 9 | SOLE DISPOSITIVE POWER
| | 0
|_____|________________________________________________________
| |
| 10 | SHARED DISPOSITIVE POWER
| | 134,000
_______________|_____|_________________________________________________________
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
134,000
______________________________________________________________________________
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES
CERTAIN SHARES (See Instructions) [ ]
______________________________________________________________________________
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
7%
______________________________________________________________________________
14 TYPE OF REPORTING PERSON (See Instructions)
PN
______________________________________________________________________________
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CUSIP No. 133425108 SCHEDULE 13D Page 4 of 15
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1 NAMES OF REPORTING PERSONS.
S.S OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS
The Margaret de Fleur Foundation, Inc.
______________________________________________________________________________
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [X]
(See Instructions) (b) [ ]
______________________________________________________________________________
3 SEC USE ONLY
______________________________________________________________________________
4 SOURCE OF FUNDS
OO
______________________________________________________________________________
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) OR 2(e) [ ]
______________________________________________________________________________
6 CITIZENSHIP OR PLACE OF ORGANIZATION
New York
_______________________________________________________________________________
| |
NUMBER OF | 7 | SOLE VOTING POWER
SHARES | | 0
BENEFICIALLY |_____|________________________________________________________
OWNED BY | |
EACH | 8 | SHARED VOTING POWER
REPORTING | | 134,000
PERSON WITH |_____|________________________________________________________
| |
| 9 | SOLE DISPOSITIVE POWER
| | 0
|_____|________________________________________________________
| |
| 10 | SHARED DISPOSITIVE POWER
| | 134,000
_______________|_____|_________________________________________________________
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
134,000
______________________________________________________________________________
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES
CERTAIN SHARES (See Instructions) [ ]
______________________________________________________________________________
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
7%
______________________________________________________________________________
14 TYPE OF REPORTING PERSON (See Instructions)
OO
______________________________________________________________________________
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CUSIP No. 133425108 SCHEDULE 13D Page 5 of 15
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1 NAMES OF REPORTING PERSONS.
S.S OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS
Stilwell Value LLC
______________________________________________________________________________
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [X]
(See Instructions) (b) [ ]
______________________________________________________________________________
3 SEC USE ONLY
______________________________________________________________________________
4 SOURCE OF FUNDS
WC, OO
______________________________________________________________________________
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) OR 2(e) [ ]
______________________________________________________________________________
6 CITIZENSHIP OR PLACE OF ORGANIZATION
Delaware
_______________________________________________________________________________
| |
NUMBER OF | 7 | SOLE VOTING POWER
SHARES | | 0
BENEFICIALLY |_____|________________________________________________________
OWNED BY | |
EACH | 8 | SHARED VOTING POWER
REPORTING | | 134,000
PERSON WITH |_____|________________________________________________________
| |
| 9 | SOLE DISPOSITIVE POWER
| | 0
|_____|________________________________________________________
| |
| 10 | SHARED DISPOSITIVE POWER
| | 134,000
_______________|_____|_________________________________________________________
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
134,000
______________________________________________________________________________
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES
CERTAIN SHARES (See Instructions) [ ]
______________________________________________________________________________
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
7%
______________________________________________________________________________
14 TYPE OF REPORTING PERSON (See Instructions)
OO
______________________________________________________________________________
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CUSIP No. 133425108 SCHEDULE 13D Page 6 of 15
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1 NAMES OF REPORTING PERSONS.
S.S OR I.R.S. IDENTIFICATION NOS. OF ABOVE PERSONS
Joseph Stilwell
______________________________________________________________________________
2 CHECK THE APPROPRIATE BOX IF A MEMBER OF A GROUP (a) [X]
(See Instructions) (b) [ ]
______________________________________________________________________________
3 SEC USE ONLY
______________________________________________________________________________
4 SOURCE OF FUNDS
PF, OO
______________________________________________________________________________
5 CHECK BOX IF DISCLOSURE OF LEGAL PROCEEDINGS IS REQUIRED
PURSUANT TO ITEMS 2(d) OR 2(e) [ ]
______________________________________________________________________________
6 CITIZENSHIP OR PLACE OF ORGANIZATION
United States
_______________________________________________________________________________
| |
NUMBER OF | 7 | SOLE VOTING POWER
SHARES | | 0
BENEFICIALLY |_____|________________________________________________________
OWNED BY | |
EACH | 8 | SHARED VOTING POWER
REPORTING | | 134,000
PERSON WITH |_____|________________________________________________________
| |
| 9 | SOLE DISPOSITIVE POWER
| | 0
|_____|________________________________________________________
| |
| 10 | SHARED DISPOSITIVE POWER
| | 134,000
_______________|_____|_________________________________________________________
11 AGGREGATE AMOUNT BENEFICIALLY OWNED BY EACH REPORTING PERSON
134,000
______________________________________________________________________________
12 CHECK BOX IF THE AGGREGATE AMOUNT IN ROW (11) EXCLUDES
CERTAIN SHARES (See Instructions) [ ]
______________________________________________________________________________
13 PERCENT OF CLASS REPRESENTED BY AMOUNT IN ROW (11)
7%
______________________________________________________________________________
14 TYPE OF REPORTING PERSON (See Instructions)
IN
______________________________________________________________________________
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CUSIP No. 133425108 SCHEDULE 13D Page 7 of 15
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Item 1. Security and Issuer
This Schedule 13D is being filed jointly by Stilwell Value Partners I,
L.P., a Delaware limited partnership ("Stilwell Value Partners I"), Stilwell
Associates, L.P., a Delaware limited partnership ("Stilwell Associates"), The
Margaret de Fleur Foundation, Inc., a not-for-profit corporation organized under
the laws of the State of New York ("The Margaret de Fleur Foundation"), Stilwell
Value LLC, a Delaware limited liability company ("Stilwell Value LLC") and the
general partner of Stilwell Value Partners I, and Joseph Stilwell, managing and
sole member of Stilwell Value LLC, general partner of Stilwell Associates and
President and Member of the Board of Directors of The Margaret de Fleur
Foundation. All of the filers of this Schedule 13D are collectively the "Group"
or "Reporting Persons".
This Schedule 13D relates to the common stock ("Common Stock") of
Cameron Financial Corporation (the "Company" or the "Issuer"). The address of
the principal executive offices of the Company is 1304 North Walnut Street,
Cameron, Missouri 64429. The joint filing agreement of the members of the Group
is attached as Exhibit 1.
Item 2. Identity and Background
(a)-(c) This statement is filed by Joseph Stilwell, with respect to
the shares of Common Stock beneficially owned by Mr. Stilwell, including: (i)
shares of Common Stock held in the name of Stilwell Value Partners I, in Mr.
Stilwell's capacity as the managing and sole member of Stilwell Value LLC which
is the general partner of Stilwell Value Partners I; (ii) shares of Common Stock
held in the name of Stilwell Associates, in Mr. Stilwell's capacity as the
general partner of Stilwell Associates; and (iii) shares of Common Stock held in
the name of The Margaret de Fleur Foundation, in Mr. Stilwell's capacity as
President and Member of the Board of Directors of The Margaret de Fleur
Foundation.
The business address of The Margaret de Fleur Foundation is Post Office
Box 1367, New York, New York 10011. The business address of the other Reporting
Persons is 26 Broadway, 23rd Floor, New York, New York 10004.
The principal employment of Mr. Stilwell is investment management.
Stilwell Value Partners I and Stilwell Associates are private investment
partnerships engaged in the purchase and sale of securities for their own
accounts. Stilwell Value LLC is in the business of serving as the general
partner of Stilwell Value Partners I. The Margaret de Fleur Foundation is a
charitable foundation.
(d) During the past five years, no member of the Group has been
convicted in a criminal proceeding (excluding traffic violations or similar
misdemeanors).
(e) During the past five years, no member of the Group has been a
party to a civil proceeding of a judicial or administrative body of competent
jurisdiction and, as a result of such proceeding, was, or is subject to, a
judgment, decree or final order enjoining future violations of, or prohibiting
or mandating activities subject to, Federal or State securities laws or finding
any violation with respect to such laws.
(f) Mr. Stilwell is a citizen of the United States.
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CUSIP No. 133425108 SCHEDULE 13D Page 8 of 15
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Item 3. Source and Amount of Funds or Other Consideration
The amount of funds expended to date by Stilwell Value Partners I to
acquire the 85,000 shares of Common Stock it holds in its name is $1,250,861.25.
Such funds were provided in part from Stilwell Value Partners I's available
capital and, from time to time, in part by margin account loans from
subsidiaries of The Bear Stearns Companies, Inc. ("Bear Stearns"), extended in
the ordinary course of business.
The amount of funds expended to date by Stilwell Associates to acquire
the 40,000 shares of Common Stock it holds in its name is $566,239.00. Such
funds were provided in part from Stilwell Associate's available capital and,
from time to time, in part by margin account loans from subsidiaries of Bear
Stearns extended in the ordinary course of business.
The amount of funds expended to date by The Margaret de Fleur
Foundation to acquire the 8,000 shares of Common Stock it holds in its name is
$126,500.00. Such funds were provided in part from The Margaret de Fleur
Foundation's investable funds and, from time to time, in part by margin account
loans from subsidiaries of Bear Stearns extended in the ordinary course of
business.
The amount of funds expended to date by Joseph Stilwell to acquire the
1,000 shares of Common Stock it holds in its name is $16,187.50. Such funds were
provided in part from Mr. Stilwell's personal funds and, from time to time, in
part by margin account loans from subsidiaries of Bear Stearns extended in the
ordinary course of business.
All purchases of Common Stock made by the Reporting Persons using funds
borrowed from Bear Stearns, if any, were made in margin transactions on Bear
Stearns' usual terms and conditions. All or part of the shares of Common Stock
owned by members of the Reporting Persons may from time to time be pledged with
one or more banking institutions or brokerage firms as collateral for loans made
by such entities to members of the Reporting Persons. Such loans generally bear
interest at a rate based upon the broker's call rate from time to time in
effect. Such indebtedness, if any, may be refinanced with other banks or
broker-dealers.
Item 4. Purpose of Transaction
The purpose of the acquisition of Common Stock of the Issuer by members
of the Group is to profit from the appreciation in the market price of the
Common Stock through the assertion of shareholder rights. The Group expects to
actively assert shareholder rights, in the manner described below, with the
intent to influence the policies of the Issuer. The members of the Group plan to
engage in discussions with the Issuer's management and Board of Directors to try
to maximize short and long-term value of the Issuer's assets which the Group
does not believe is adequately reflected in the current market price of the
Issuer's Common Stock.
Members of the Group believe that the Issuer can increase shareholder
value, within a reasonable period of time, by, among other things: (a)
repurchasing its shares; (b) issuing special dividends; (c) pursuing other
business combinations, such as a merger; (d) liquidating various assets; and/or
(e) selling the Issuer. Members of the Group also believe that the Issuer can
better evaluate all options to increase shareholder value by retaining an
investment banking firm to advise it.
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CUSIP No. 133425108 SCHEDULE 13D Page 9 of 15
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In the future members of the Group may, without limitation: (a)
communicate and discuss its views with other shareholders, including discussions
concerning the election of directors to the Board; (b) make proposals to the
Issuer's Board and management (including with regard to a possible sale of the
Issuer); (c) seek representation on the Issuer's Board; and/or (d) solicit
proxies or written consents from other shareholders of the Issuer with respect
to Board representation or other proposals for shareholder action.
On May 1, 2000, certain members of the Group filed a Schedule 13D in
connection with the common stock of Security of Pennsylvania Financial Corp.
("SPN"). Thereafter, members of the Group communicated with management of SPN
and scheduled a meeting with senior management in order to discuss maximizing
short and long-term value of SPN's assets. On June 2, 2000, prior to the
scheduled meeting, SPN and Northeast Pennsylvania Financial Corp. announced the
signing of a definitive agreement under which Northeast Pennsylvania Financial
Corp. will acquire SPN.
Members of the Group may make further purchases of shares of Common
Stock. Members of the Group may dispose of any or all the shares of Common Stock
held by them, although they have no current intention to do so. Except as noted
in this Schedule 13D, no member of the Group has any plans or proposals which
relate to, or could result in, any of the matters referred to in paragraph (a)
through (j), inclusive, of Item (4) of Schedule 13D. Members of the Group may,
at any time and from time to time, review or reconsider their positions and
formulate plans or proposals with respect thereto.
Item 5. Interest in Securities of the Issuer
The percentages used in this Schedule 13D are calculated based upon the
number of outstanding shares of Common Stock, 1,913,749, reported as the number
of outstanding shares as of May 8, 2000, on a Form 10-Q dated May 12, 2000. All
purchases and sales of Common Stock reported herein were made in open market
transactions on the Nasdaq National Market System.
(A) Stilwell Value Partners I
(a) Aggregate number of shares beneficially owned: 134,000
Percentage: 7%
(b) 1. Sole power to vote or to direct vote: 0
2. Shared power to vote or to direct vote: 134,000
3. Sole power to dispose or to direct the disposition: 0
4. Shared power to dispose or to direct disposition: 134,000
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CUSIP No. 133425108 SCHEDULE 13D Page 10 of 15
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(c) The chart below sets forth all purchases of Common Stock which Stilwell
Value Partners I has made in the last 60 days. Stilwell Value Partners I
currently holds 85,000 shares of Common Stock for a total purchase price of
$1,250,861.25.
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Number Price Per Total
Date of Shares Share ($) Cost ($)
---------------------------------------------------------------------
6/07/2000 12,500 14.0139 175,173.75
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6/08/2000 3,000 14.1875 42,562.50
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6/12/2000 1,500 14.3125 21,468.75
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6/13/2000 1,000 14.3125 14,312.50
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6/14/2000 1,000 14.6875 14,687.50
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6/15/2000 15,000 14.6875 220,312.50
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6/16/2000 3,500 14.4375 50,531.25
---------------------------------------------------------------------
6/19/2000 5,000 14.625 73,125.00
---------------------------------------------------------------------
6/20/2000 2,500 14.625 36,562.50
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6/23/2000 20,000 14.625 292,500.00
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6/27/2000 7,500 14.9375 112,031.25
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6/28/2000 2,000 15.125 30,250.00
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6/29/2000 1,500 15.6875 23,531.25
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6/30/2000 5,000 15.8125 79,062.50
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7/06/2000 4,000 16.1875 64,750.00
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(d) Because he is the managing and sole member of Stilwell Value LLC, which
is the general partner of Stilwell Value Partners I, Mr. Stilwell has the power
to direct the affairs of Stilwell Value Partners I, including the voting and
disposition of shares of Common Stock held in the name of Stilwell Value
Partners I. Therefore, Mr. Stilwell is deemed to share voting and disposition
power with Stilwell Value Partners I with regard to those shares of Common
Stock.
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CUSIP No. 133425108 SCHEDULE 13D Page 11 of 15
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(B) Stilwell Associates
(a) Aggregate number of shares beneficially owned: 134,000
Percentage: 7%
(b) 1. Sole power to vote or to direct vote: 0
2. Shared power to vote or to direct vote: 134,000
3. Sole power to dispose or to direct the disposition: 0
4. Shared power to dispose or to direct disposition: 134,000
(c) The chart below sets forth all purchases of Common Stock which Stilwell
Associates has made in the last 60 days. Stilwell Associates currently holds
40,000 shares of Common Stock for a total purchase price of $566,239.00.
---------------------------------------------------------------------
Number Price Per Total
Date of Shares Share ($) Cost ($)
---------------------------------------------------------------------
6/01/2000 9,200 12 110,400.00
---------------------------------------------------------------------
6/05/2000 3,000 13.25 39,750.00
---------------------------------------------------------------------
6/07/2000 10,000 14.0139 140,139.00
---------------------------------------------------------------------
6/19/2000 5,000 14.625 73,125.00
---------------------------------------------------------------------
6/21/2000 2,800 14.625 40,950.00
---------------------------------------------------------------------
7/06/2000 10,000 16.1875 161,875.00
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CUSIP No. 133425108 SCHEDULE 13D Page 12 of 15
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(d) Because he is the general partner of Stilwell Associates, Mr. Stilwell
has the power to direct the affairs of Stilwell Associates, including the voting
and disposition of shares of Common Stock held in the name of Stilwell
Associates. Therefore, Mr. Stilwell is deemed to share voting and disposition
power with Stilwell Associates with regard to those shares of Common Stock.
(C) The Margaret de Fleur Foundation
(a) Aggregate number of shares beneficially owned: 134,000 Percentage: 7%
(b) 1. Sole power to vote or to direct vote: 0
2. Shared power to vote or to direct vote: 134,000
3. Sole power to dispose or to direct the disposition: 0
4. Shared power to dispose or to direct disposition: 134,000
(c) In the last 60 days, The Margaret de Fleur Foundation purchased 8,000
shares of Common Stock, paying $15.8125 per share. This purchase was made on
June 29, 2000, for a total purchase price of $126,500.00.
(d) Because he is the President and Member of the Board of Directors of The
Margaret de Fleur Foundation, Mr. Stilwell has the power to direct the affairs
of The Margaret de Fleur Foundation, including the voting and disposition of
shares of Common Stock held in the name of The Margaret de Fleur Foundation.
Therefore, Mr. Stilwell may be deemed to share voting and disposition power with
The Margaret de Fleur Foundation with regard to those shares of Common Stock.
(D) Stilwell Value LLC
(a) Aggregate number of shares beneficially owned: 134,000 Percentage: 7%
(b) 1. Sole power to vote or to direct vote: 0
2. Shared power to vote or to direct vote: 134,000
3. Sole power to dispose or to direct the disposition: 0
4. Shared power to dispose or to direct disposition: 134,000
(c) Stilwell Value LLC has made no purchases of Common Stock.
(d) Because he is the managing and sole member of Stilwell Value LLC, Mr.
Stilwell has the power to direct the affairs of Stilwell Value LLC. Stilwell
Value LLC is the general partner of Stilwell Value Partners I. Therefore,
Stilwell Value LLC may be deemed to share with Mr. Stilwell voting and
disposition power with regard to the shares of Common Stock held by Stilwell
Value Partners I.
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CUSIP No. 133425108 SCHEDULE 13D Page 13 of 15
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(E) Mr. Joseph Stilwell
(a) Aggregate number of shares beneficially owned: 134,000 Percentage: 7%
(b) 1. Sole power to vote or to direct vote: 0
2. Shared power to vote or to direct vote: 134,000
3. Sole power to dispose or to direct the disposition: 0
4. Shared power to dispose or to direct disposition: 134,000
(c) In the last 60 days, Joseph Stilwell purchased 1,000 shares of Common
Stock, paying $16.1875 per share. This purchase was made on July 6, 2000, for a
total purchase price of $16,187.50.
Item 6. Contracts, Arrangements, Understandings or Relationships with Respect
to Securities of the Issuer.
Other than the Joint Filing Agreement filed as Exhibit 1 to this
filing, and as otherwise described below, there are no contracts, arrangements,
understandings or relationships among the persons named in Item 2 hereof and
between such persons and any person with respect to any securities of the
Company, including but not limited to transfer or voting of any of the
securities, finders' fees, joint ventures, loan or option arrangements, puts or
calls, guarantees of profits, divisions of profits or losses, or the giving or
withholding of proxies, except for sharing of profits. Stilwell Value LLC and
Mr. Joseph Stilwell, in their capacities as general partners as described in
this Schedule 13D, are entitled to an allocation of a portion of profits.
See Items 1 and 2 above regarding disclosure of the relationships
between members of the Group, which disclosure is incorporated herein by
reference.
Item 7. Material to be Filed as Exhibits
Exhibit No. Description
----------- ------------
1 Joint Filing Agreement.
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CUSIP No. 133425108 SCHEDULE 13D Page 14 of 15
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SIGNATURES
After reasonable inquiry and to the best of my knowledge and belief, I
certify that the information set forth in this statement is true, complete and
correct.
Date: July 7, 2000
STILWELL VALUE PARTNERS I, L.P.
/s/ Joseph Stilwell
--------------------------------------
By: STILWELL VALUE LLC
General Partner
/s/ Joseph Stilwell
--------------------------------------
By: Joseph Stilwell
Managing and Sole Member
STILWELL ASSOCIATES, L.P.
/s/ Joseph Stilwell
--------------------------------------
By: Joseph Stilwell
General Partner
THE MARGARET DE FLEUR FOUNDATION, INC.
/s/ Joseph Stilwell
--------------------------------------
By: Joseph Stilwell
President
STILWELL VALUE LLC
/s/ Joseph Stilwell
--------------------------------------
By: Joseph Stilwell
Managing and Sole Member
JOSEPH STILWELL
/s/ Joseph Stilwell
--------------------------------------
Joseph Stilwell
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CUSIP No. 133425108 SCHEDULE 13D Page 15 of 15
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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: July 7, 2000
STILWELL VALUE PARTNERS I, L.P.
/s/ Joseph Stilwell
--------------------------------------
By: STILWELL VALUE LLC
General Partner
/s/ Joseph Stilwell
--------------------------------------
By: Joseph Stilwell
Managing and Sole Member
STILWELL ASSOCIATES, L.P.
/s/ Joseph Stilwell
--------------------------------------
By: Joseph Stilwell
General Partner
THE MARGARET DE FLEUR FOUNDATION, INC.
/s/ Joseph Stilwell
--------------------------------------
By: Joseph Stilwell
President
STILWELL VALUE LLC
/s/ Joseph Stilwell
--------------------------------------
By: Joseph Stilwell
Managing and Sole Member
JOSEPH STILWELL
/s/ Joseph Stilwell
--------------------------------------
Joseph Stilwell
