Seidman Lawrence B Watch

from SC 13D 1 page Exhibit I Joint Filing Agreement in Accordance With Rule 13d-1(f) Under the Securities Exchange Act of 1934, as Amended, the Undersigned Hereby Agree to the Joint Filing With Each Other of the Attached Statement on Schedule 13d and to All Amendments to Such Statement and That Such Statement and All Amendments to Such Statement Is Made on Behalf of Each of Them. in Addition the Undersigned Hereby Appoints Lawrence B. Seidman as Attorney-In-Fact for the Undersigned With Authority to Execute and Deliver on Behalf of the Undersigned Any and All Documents (Including Any Amendments Thereto) Required to Be Filed by the Undersigned or Otherwise Executed and Delivered by the Undersigned Pursuant to the Securities Exchange Act of 1934, as Amended, All Other Federal, State and Local Securities and Corporation Laws, and All Regulations Promulgated Thereunder. in Witness Whereof, the Undersigned Hereby Execute This Agreement on January 8, 2003. 1/08/23 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, Manager Seidman and Associates, L.L.C. 1/08/23 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, President of the Corporate General Partner Seidman Investment PARTNERSHIP,L.P. 1/08/23 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, President of the Corporate General Partner Seidman Investment Partnership II, L.P. 1/08/23 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, Individually 1/08/23 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, Investment Manager, Kerrimatt, L.P. 1/08/23 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, Investment Manager Federal Holdings, L.L.C. 1/08/23 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, Co-General Partner, Pollack Investment Partnership, L.P. 1/08/23 /Ss/Dennis Pollack/ Date Dennis Pollack, Individually 1/08/23 /Ss/Dennis Pollack Date Dennis Pollack, Co-General Partner, Pollack Investment Partnership, L.P. 1/08/23 /Ss/Robert Williamson Date Robert Williamson, Individually

from SC 13D ~50 pages Pollack Investment Partnership Agreement

from SC 13D ~20 pages Operating Agreement Federal Holdings, LLC

from SC 13D 1 page Letter Agreement With Kerrimat

from SC 13D ~20 pages Seidman & Assoc. Operating Agreement

from SC 13D ~20 pages Seidman Investment Partnership II Agreemt

from SC 13D ~20 pages Seidman Investment Partnership Oper. Agreement

from SC 13D 1 page Exhibit B Entity Date Cost Cost Shares Purch Per Share - Seidman & Assoc 4/23/01 17.9500 31,412.50 1,750 Seidman & Assoc 11/4/02 29.3200 209,344.80 7,140 Seidman & Assoc 1/2/03 30.1100 645,257.30 21,430 Total 886,014.60 30,320 Sip 4/23/01 17.9500 29,617.50 1,650 Sip 11/4/02 29.3200 104,731.04 3,572 Sip 1/2/03 30.1100 322,598.54 10,714 Total 456,947.08 15,936 Sip II 4/5/01 17.6250 7,050.00 400 Sip II 10/3/01 21.3100 19,179.00 900 Sip II 11/4/02 29.3200 104,731.04 3,572 Sip II 1/2/03 30.1100 322,598.54 10,714 Total 453,558.58 15,586 Federal Holdings 4/5/01 17.6250 15,862.50 900 Federal Holdings 11/4/02 29.3200 104,731.04 3,572 Federal Holdings 1/2/03 30.1100 322,598.54 10,714 Total 443,192.08 15,186 Kerri-Matt 4/5/01 17.6250 7,050.00 400 Kerri-Matt 10/3/01 21.3100 19,179.00 900 Kerri-Matt 11/4/02 29.3200 104,731.04 3,572 Kerri-Matt 1/2/03 30.1100 322,598.54 10,714 Total 453,558.58 15,586 Pollack Invest Prtshp 4/5/01 17.6250 15,862.50 900 Pollack Invest Prtshp 11/4/02 29.3200 104,731.04 3,572 Pollack Invest Prtshp 1/2/03 30.1100 322,598.54 10,714 Total 443,192.08 15,186 Robert Williamson 1/2/03 30.1700 30,174.85 1,000 Robert Williamson 1/2/03 30.3500 30,350.00 1,000 Total 60,524.85 2,000 Totals 3,196,987.85 109,800

from SC 13D 1 page Exec. Officers & Directors of Rep. Pers.

from SC 13D 1 page Joint Filing Agreement

from SC 13D ~50 pages Pollack Investment Partnership, L.P. Agreement

from SC 13D ~20 pages Operating Agreement for Federal Holdings L.L.C.

from SC 13D 1 page Letter Agreement With Kerrimatt, L.P.

from SC 13D ~20 pages Operat. Agreement for Seidman Assoc.

from SC 13D ~20 pages Amended & Restated Agreement of Limited Part. II

from SC 13D ~20 pages Seidman Investment Partnership, L.P. Agreement

from SC 13D 1 page Stock Purchase Transactions

from SC 13D 1 page Executive Officers & Directors of Report. Persons

from SC 13D 1 page Exhibit I Joint Filing Agreement in Accordance With Rule 13d-1(f) Under the Securities Exchange Act of 1934, as Amended, the Undersigned Hereby Agree to the Joint Filing With Each Other of the Attached Statement on Schedule 13d and to All Amendments to Such Statement and That Such Statement and All Amendments to Such Statement Is Made on Behalf of Each of Them. in Addition the Undersigned Hereby Appoints Lawrence B. Seidman as Attorney-In-Fact for the Undersigned With Authority to Execute and Deliver on Behalf of the Undersigned Any and All Documents (Including Any Amendments Thereto) Required to Be Filed by the Undersigned or Otherwise Executed and Delivered by the Undersigned Pursuant to the Securities Exchange Act of 1934, as Amended, All Other Federal, State and Local Securities and Corporation Laws, and All Regulations Promulgated Thereunder. in Witness Whereof, the Undersigned Hereby Execute This Agreement on September 28, 2001. 9/28/01 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, Manager Seidman and Associates, L.L.C. 9/28/01 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, President of the Corporate General Partner Seidman Investment PARTNERSHIP,L.P. 9/28/01 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, President of the Corporate General Partner Seidman Investment Partnership II, L.P. 9/28/01 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, Individually 9/28/01 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, Investment Manager, Kerrimatt, L.P. 9/28/01 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, Investment Manager Federal Holdings, L.L.C. 9/28/01 /Ss/Lawrence B. Seidman Date Lawrence B. Seidman, Co-General Partner, Pollack Investment Partnership, L.P. 9/28/01 /Ss/Dennis Pollack Date Dennis Pollack, Individually 9/28/01 /Ss/Dennis Pollack Date Dennis Pollack, Co-General Partner, Pollack Investment Partnership, L.P

from SC 13D ~50 pages Pollack Investment Partnership, L.P. Agreement