Heartland Bancshares Inc Watch

from SC 13D 1 page Exhibit 1 Agreement Regarding Joint Filing Under Under Rule 13d-1(k) of the Exchange Act in Accordance With Rule 13d-1(k) Under the Securities Exchange Act of 1934, as Amended, Each of the Undersigned Agrees to the Filing on Behalf of Each of a Statement on Schedule 13d, and All Amendments Thereto, With Respect to the Shares of Common Stock, No Par Value, of Heartland Bancshares, Inc. Dated: September 5, 2002 /S/ Philip J. Timyan Philip J. Timyan Riggs Partners LLC By: /S/ Philip J. Timyan Philip J. Timyan, Managing Member