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from SC 13D 1 page Exhibit 1 Joint Acquisition Statement Pursuant to Rule 13d-1(f)(1) the Undersigned Acknowledge and Agree That the Foregoing Statement on Schedule 13d Is Filed on Behalf of Each of the Undersigned and That All Subsequent Amendments to This Statement on Schedule 13d Shall Be Filed on Behalf of Each of the Undersigned Without the Necessity of Filing Additional Joint Acquisition Statements. 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 Contained Herein, but Shall Not Be Responsible for the Completeness and Accuracy of the Information Concerning the Other, Except to the Extent That It Knows or Has Reason to Believe That Such Information Is Inaccurate. Dated: April 6, 1998 Malta Partners, L.P. Malta Hedge Fund, L.P. By: Soam Holdings, LLC, By: Soam Holdings, LLC, the Sole General Partner the Sole General Partner By: /S/ Terry Maltese By: /S/ Terry Maltese Terry Maltese Terry Maltese President President Malta Partners II, L.P. Malta Hedge Fund II, L.P. By: Soam Holdings, LLC, By: Soam Holdings, LLC, the Sole General Partner the Sole General Partner By: /S/ Terry Maltese By: /S/ Terry Maltese Terry Maltese Terry Maltese President President Soam Holdings, LLC Sandler O'NEILL Asset Management LLC By: /S/ Terry Maltese By: /S/ Terry Maltese Terry Maltese Terry Maltese President President Terry Maltese /S/ Terry Maltese Page 16 of 16

from SC 13D 1 page Exhibit 1 Joint Acquisition Statement Pursuant to Rule 13d-1(f)(1) the Undersigned Acknowledge and Agree That the Foregoing Statement on Schedule 13d Is Filed on Behalf of Each of the Undersigned and That All Subsequent Amendments to This Statement on Schedule 13d Shall Be Filed on Behalf of Each of the Undersigned Without the Necessity of Filing Additional Joint Acquisition Statements. 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 Contained Herein, but Shall Not Be Responsible for the Completeness and Accuracy of the Information Concerning the Other, Except to the Extent That It Knows or Has Reason to Believe That Such Information Is Inaccurate. Dated: December 30, 1997 Malta Partners, L.P. Malta Hedge Fund, L.P. By: Soam Holdings, LLC, By: Soam Holdings, LLC, the Sole General Partner the Sole General Partner By: /S/ Terry Maltese By: /S/ Terry Maltese Terry Maltese Terry Maltese President President Soam Holdings, LLC By: /S/ Terry Maltese Terry Maltese President Sandler O'NEILL Asset Management LLC By: /S/ Terry Maltese Terry Maltese President Terry Maltese /S/ Terry Maltese Page 13 of 13

from S-1 ~50 pages Sales Agency Agreement