Exhibit 10.9
                             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   , 2002.



                                             /ss/Lawrence B. Seidman
                  ------                     ------------------------------
                  Date                       Lawrence B. Seidman, Manager
                                             Seidman and Associates, L.L.C.


                                             /ss/Lawrence B. Seidman
                  ------                     ------------------------------
                  Date                       Lawrence B. Seidman, President
                                             of the Corporate General Partner
                                             Seidman Investment Partnership,L.P.

                                             /ss/Lawrence B. Seidman
                  ------                     ------------------------------
                  Date                       Lawrence B. Seidman, President
                                             of the Corporate General Partner
                                             Seidman Investment Partnership II,
                                             L.P.

                                             /ss/Lawrence B. Seidman
                  ------                     ------------------------------
                  Date                       Lawrence B. Seidman, Individually


                                             /ss/Lawrence B. Seidman
                  ------                     ------------------------------
                  Date                       Lawrence B. Seidman, Investment
                                             Manager, Kerrimatt, L.P.


                                             /ss/Lawrence B. Seidman
                  ------                     ------------------------------
                  Date                       Lawrence B. Seidman, Investment
                                             Manager
                                             Federal Holdings, L.L.C.

                                             /ss/Lawrence B. Seidman
                  ------                     ------------------------------
                  Date                       Lawrence B. Seidman, Co-General
                                             Partner, Pollack Investment
                                             Partnership, L.P.

                                             /ss/Dennis Pollack
                  ------                     ------------------------------
                  Date                       Dennis Pollack, Individually

                                             /ss/Dennis Pollack
                 ------                      ------------------------------
                  Date                       Dennis Pollack, Co-General
                                             Partner, Pollack Investment
                                             Partnership, L.P.


                                             /ss/Robert Williamson
                  ------                     ------------------------------
                  Date                       Robert Williamson,
                                             Individually