Stilwell Joseph Watch

from SC 13G 1 page Exhibit 1 Joint Filing Agreement

from SC 13D 1 page 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

from SC 13D 1 page <page> 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: February 23, 2001 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 Stilwell Value LLC /S/ Joseph Stilwell By: Joseph Stilwell Managing and Sole Member Joseph Stilwell /S/ Joseph Stilwell Joseph Stilwell

from SC 13D 1 page <page> 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: November 17, 2000 Stilwell Value Partners II, 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 Stilwell Value LLC /S/ Joseph Stilwell By: Joseph Stilwell Managing and Sole Member Joseph Stilwell /S/ Joseph Stilwell Joseph Stilwell

from SC 13D/A 1 page <page> Cusip No. 133425108 Schedule 13d Page 13 of 16 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 10, 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

from SC 13D/A 1 page <page> 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 5, 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 Partners, L.P. /S/ Joseph Stilwell By: Joseph Stilwell General Partner Stilwell Associates, L.P. /S/ Joseph Stilwell By: Joseph Stilwell General Partner Stilwell Value LLC /S/ Joseph Stilwell By: Joseph Stilwell Managing and Sole Member Joseph Stilwell /S/ Joseph Stilwell Joseph Stilwell