Klamath First Bancorp Inc Watch

from SC 13G/A 1 page Exhibit 1 Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Eric F. Billings, and Emanuel J. Friedman Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Eric F. Billings, and Emanuel J. Friedman Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: February 13, 2002 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: February 13, 2002 /S/ Eric F. Billings Eric F. Billings Dated: February 13, 2002 /S/ Emanuel J. Friedman Emanuel J. Friedman

from SC 13G 1 page Exhibit 1 Joint Filing Agreement Among Friedman, Billings, Ramsey Group, Inc., Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Whereas, in Accordance With Rule 13d-1(k) Under the Securities and Exchange Act of 1934 (The "Act"), Only One Joint Statement and Any Amendments Thereto Need to Be Filed Whenever One or More Persons Are Required to File Such a Statement or Any Amendments Thereto Pursuant to Section 13(d) of the Act With Respect to the Same Securities, Provided That Said Persons Agree in Writing That Such Statement or Amendments Thereto Is Filed on Behalf of Each of Them; Now, Therefore, the Parties Hereto Agree as Follows: Friedman, Billings, Ramsey Group, Inc., Eric F. Billings, Emanuel J. Friedman and W. Russell Ramsey Hereby Agree, in Accordance With Rule 13d-1(k) Under the Act, to File a Statement on Schedule 13g Relating to Their Ownership of Common Stock of the Issuer and Do Hereby Further Agree That Said Statement Shall Be Filed on Behalf of Each of Them. Friedman, Billings, Ramsey Group, Inc. Dated: July 16, 2001 By: /S/ Emanuel J. Friedman Name: Emanuel J. Friedman Title: Chairman Dated: July 16, 2001 /S/ Eric F. Billings Eric F. Billings Dated: July 16, 2001 /S/ Emanuel J. Friedman Emanuel J. Friedman Dated: July 16, 2001 /S/ W. Russell Ramsey W. Russell Ramsey

from SC 13D/A 1 page Cusip No. 49842p103 Exhibit B Transactions in Common Stock of the Company Within the Last Sixty Days No. of Shares Trade Dates Purchased/Sold Cost Per Share Type - 2/6/98 2,900 21.790 P 2/9/98 1,500 22.011 P 2/9/98 10,000 22.250 P 2/10/98 20,000 22.700 P 2/11/98 2,000 23.040 P 2/11/98 50,000 23.000 P 2/13/98 11,800 22.853 P 2/13/98 85,000 22.875 P 2/13/98 1,700 23.000 P 2/18/98 50,000 22.375 P Page 10 of 10 Pages

from SC 13D 1 page Underwriting agreement