Document:

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.Exhibit 4.1

No. XXXX                                                         Shares -XX,XXX-
                                 Decorize, Inc.
              INCORPORATED UNDER THE LAWS OF THE STATE OF DELAWARE
              AUTHORIZED 50,000,000 COMMON SHARES, $.001 PAR VALUE

                                                               SEE REVERSE FOR
                                                             CERTAIN DEFINITIONS

                                                              CUSIP 243636 10 7

THIS CERTIFIES THAT                [name of stockholder]

is the owner of                      [number of shares]

    FULLY PAID AND NON-ASSESSABLE SHARES OF COMMON STOCK, $.001 PAR VALUE, OF

                                 Decorize, Inc.

transferable on the Books of the Corporation in person or by duly authorized
attorney upon surrender of this Certificate properly endorsed. This Certificate
and the shares represented hereby are subject to all the provisions of the
Articles of Incorporation, to all of which the holder by acceptance hereby
assents. This Certificate is not valid until counter signed by the Transfer
Agent.

In WITNESS WHEREOF, the said Corporation has caused this Certificate to be
signed by its duly authorized officers and to be sealed with the Seal of the
Corporation.

Dated:   [issuance date]

         [signature]        [facsimile corporate seal]           [signature]
          SECRETARY                                               PRESIDENT

                                      Countersigned:
                                      American Registrar & Transfer Co.
                                      342 E. 900 South, Salt Lake City, UT 84111
                                      Transfer Agent and Registrar
                                      Authorized Signature
<PAGE>

                                 Decorize, Inc.
                       American Registrar & Transfer Co.
                           Transfer Fee: As Required

--------------------------------------------------------------------------------
         The following abbreviations, when used in the inscription on the face
of this certificate, shall be construed as though they were written out in full
according to applicable laws or regulations:

TEN COM  - as tenants in common           UNIF GIFT MIN ACT -_____Custodian_____
TEN ENT  - as tenants by the entireties                      (Cust)      (Minor)
JT TEN   - as joint tenants with right                       under Uniform Gifts
           of survivorship and not as                        to Minors Act of
           tenants in common                                    (State)

     Additional abbreviations may also be used though not in the above list.

  For Value Received ___________________ hereby sell, assign, and transfer unto

     [please insert social security or other identifying number of assignee]

   ___________________________________________________________________________

   ___________________________________________________________________________

   ___________________________________________________________________________
  (PLEASE PRINT OR TYPEWRITE NAME AND ADDRESS, INCLUDING ZIP CODE, OF ASSIGNEE)

   _____________________________________________________________________________

   _____________________________________________________________________________

   _______________________________________________________________________Shares
   of the common stock represented by the within Certificate, and do hereby
   irrevocably constitute and appoint _________________________________ Attorney
   to transfer the said stock on the books of the within named Corporation with
   full power of substitution in the premises.

   Dated _____________________ 20____

SIGNATURE GUARANTEED:                           X_____________________________

                                                X_____________________________

THE SIGNATURE TO THIS ASSIGNMENT MUST CORRESPOND WITH THE NAME AS WRITTEN UPON
THE FACE OF THIS CERTIFCIATE IN EVERY PARTICULAR, WITHOUT ALTERATION OR
ENLARGEMENT OR ANY CHANGE WHATSOEVER. THE SIGNATURE(S) MUST BE GUARANTEED BY AN
ELIGIBLE GUARANTOR INSTITUTION (Banks, Stockbrokers, Savings and Loan
Associations and Credit Unions) WITH MEMBERSHIP IN AN APPROVED SIGNATURE
GUARANTEE MEDALLION PROGRAM.Exhibit 10.1

$375,000.00                                                Springfield, Missouri
                                                                 May _____, 2001

                                 PROMISSORY NOTE

         FOR  VALUE  RECEIVED,  the  undersigned,  Decorate,  Inc.,  a  Missouri
corporation  (hereinafter "Borrower") hereby promises to pay to the order Jon T.
Baker (hereinafter "Creditor"),  the principal sum of Three Hundred Seventy-Five
Thousand  Dollars  ($375,000.00),  with interest thereon from the date hereof at
the rate per annum 1% in excess of the prime  rate as quoted in The Wall  Street
Journal  (the  "Prime  Rate"),  said rate to change as and when said  Prime Rate
changes, on the ______ day of May, 2002.

         All payments  received with respect to this Note shall first be applied
to interest accrued on the principal balance, and the remainder shall be applied
to principal.

         Borrower  hereby  waives  presentment,  demand for  payment,  notice of
dishonor,  and all other  notices and demands in  connection  with the delivery,
acceptance, performance, default or endorsement of this Note.

         In  the  event  of  default,  Borrower  agrees  to  pay  all  costs  of
collection,  including a reasonable  attorney fee, if this Note is placed in the
hands of an attorney for collection or if suit is filed thereon.

         Borrower  shall have the  privilege of making cash payments in addition
to those called for in this Note at any time without penalty.

         Payments   on  this   Note   shall   be  paid   to  the   Creditor   at
_____________________,  or such other  address as he or any other holder of this
Note may direct in writing.

         Pursuant to RSMo.ss.  432.045,  the Creditor hereby gives the following
notice to the Borrower:

                  "Oral  agreements or commitments to loan money,  extend credit
         or to forebear from enforcing repayment of a debt including promises to
         extend  or  renew  such  debt  are  not  enforceable.  To  protect  you
         (borrower(s))    and   us   (creditor)   from    misunderstanding    or
         disappointment,  any  agreements  we reach  covering  such  matters are
         contained  in  this  writing,  which  is  the  complete  and  exclusive
         statement of the agreement  between us, except as we may later agree in
         writing to modify it."

                                        1
<PAGE>

         IN WITNESS WHEREOF, the Borrower, by its duly authorized officers,  has
executed this Note as of the _______ day of May, 2001.

                                                 DECORATE, INC.

                                                 By:
                                                     --------------------------

                                        2

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