EX-1 3 stilwellex1.txt JOINT FILING AGREEMENT 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 30, 2003 STILWELL VALUE PARTNERS III, 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: STILWELL VALUE LLC General Partner /s/ Joseph Stilwell -------------------------------------- By: Joseph Stilwell Managing and Sole Member STILWELL VALUE LLC /s/ Joseph Stilwell -------------------------------------- By: Joseph Stilwell Managing and Sole Member JOSEPH STILWELL /s/ Joseph Stilwell -------------------------------------- Joseph Stilwell