Maltese Capital Management LLC Watch

from SC 13D/A ~1 page Joint Acquisition Statement Pursuant to Rule 13d-1

from SC 13D ~1 page Joint Acquisition Statement Pursuant to Rule 13d-1

from SC 13D/A 1 page <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: March 26, 2003 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 Malta Offshore, Ltd. Sandler O'NEILL Asset Management LLC By: Sandler O'NEILL Asset Management LLC By: /S/ Terry Maltese By: /S/ Terry Maltese Terry Maltese Terry Maltese President President Soam Holdings, LLC Terry Maltese By: /S/ Terry Maltese /S/ Terry Maltese Terry Maltese Terry Maltese President Malta Hedge Fund, L.P. By: Soam Holdings, LLC, the Sole General Partner By: /S/ Terry Maltese Terry Maltese President Page 15 of 15

from SC 13D ~5 pages Joint Acquisition Statement Pursuant to Rule 13d-1

from SC 13D/A 1 page <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: June 13, 2000 <table> <s> <c> 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 Malta Offshore, Ltd Sandler O'NEILL Asset Management LLC By: Sandler O'NEILL Asset Management LLC By: /S/ Terry Maltese By: /S/ Terry Maltese Terry Maltese Terry Maltese President President Soam Holdings, LLC Terry Maltese By: /S/ Terry Maltese /S/ Terry Maltese Terry Maltese Terry Maltese President </Table> A-1

from SC 13D/A 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: May 5, 2000 <table> <s> <c> 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 Malta Offshore, Ltd. Sandler O'NEILL Asset Management LLC By:sandler O'NEILL Asset Management LLC By: /S/ Terry Maltese By: /S/ Terry Maltese Terry Maltese Terry Maltese President President Soam Holdings, LLC Terry Maltese By: /S/ Terry Maltese /S/ Terry Maltese Terry Maltese Terry Maltese President </Table>

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 5, 2000 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 Malta Offshore, Ltd. Sandler O'NEILL Asset Management LLC By:sandler O'NEILL Asset Management LLC By: /S/ Terry Maltese By: /S/ Terry Maltese Terry Maltese Terry Maltese President President Soam Holdings, LLC Terry Maltese By: /S/ Terry Maltese /S/ Terry Maltese Terry Maltese Terry Maltese President Page 17 of 17

from SC 13D/A 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: February 9, 2000 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 Malta Offshore, Ltd. Sandler O'NEILL Asset Management LLC By: Sandler O'NEILL Asset Management LLC By: /S/ Terry Maltese By: /S/ Terry Maltese Terry Maltese Terry Maltese President President Soam Holdings, LLC Terry Maltese By: /S/ Terry Maltese /S/ Terry Maltese Terry Maltese Terry Maltese President A-1

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: January 10, 2000 <table> <s> <c> 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 Malta Offshore, Ltd. Sandler O'NEILL Asset Management LLC By: /S/ Terry Maltese By: /S/ Terry Maltese Terry Maltese Terry Maltese President President Soam Holdings, LLC Terry Maltese By: /S/ Terry Maltese /S/ Terry Maltese Terry Maltese Terry Maltese President </Table>

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: October 1, 1999 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 17 of 17

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: September 21, 1999 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 Underwriting Agreement

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: November 3, 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 17 of 17

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: November 3, 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 17 of 17

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: June 18, 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 17 of 17

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/A 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: March 16, 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: March 9, 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: By: 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: By: Terry Maltese Terry Maltese President President Soam Holdings, LLC Sandler O'NEILL Asset Management LLC By: By: Terry Maltese Terry Maltese President President 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: March 2, 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: By: 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: By: Terry Maltese Terry Maltese President President Soam Holdings, LLC Sandler O'NEILL Asset Management LLC By: By: Terry Maltese Terry Maltese President President 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: February 4, 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: By: 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: By: Terry Maltese Terry Maltese President President Soam Holdings, LLC Sandler O'NEILL Asset Management LLC By: By: Terry Maltese Terry Maltese President President Terry Maltese - Page 16 of 16