CUSIP NO. 53219H108                 13G/A                      PAGE 8 OF 8 PAGES
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:   November 9, 2001             By: /s/ EMANUEL J. FRIEDMAN
                                      ---------------------------------
                                      Name:  Emanuel J. Friedman
                                      Title: Chairman and Co-Chief
                                             Executive Officer


Dated:   November 9, 2001             /s/ ERIC F. BILLINGS
                                      ----------------------------------
                                      Eric F. Billings


Dated:   November 9, 2001             /s/ EMANUEL J. FRIEDMAN
                                      ----------------------------------
                                      Emanuel J. Friedman