Exhibit 24
                         POWERS OF ATTORNEY


KNOW ALL MEN BY THESE PRESENTS,  that each person whose signature appears
below constitutes and appoints David R. Jones, Robert L. Goocher and Albert
G. Norman, Jr., and each of them, his or her true and lawful
attorneys-in-fact and agents, with full power of substitution, for him or her
and in his or her name, place and stead, in any and all capacities, to sign
the Annual Report on Form 10-K for the fiscal year ended September 30, 1995
and any and all amendments to such Annual Report, and to file the same, with
all exhibits thereto and other documents in connection therewith, with the
Securities and Exchange Commission, granting unto said attorneys-in-fact and
agents, and each of them, full power and authority to do and perform each and
every act and thing requisite or necessary to be done, as fully to all
intents and purposes as he or she might or could do in person, hereby
ratifying and confirming all that said attorneys-in-fact and agents or any of
them, or their or his substitute or substitutes, may lawfully do or cause to
be done by virtue hereof.



     This 3rd day of November, 1995.



/s/ Frank Barron, Jr.               /s/ Albert G. Norman, Jr.
    Frank Barron, Jr.                   Albert G. Norman, Jr.



/s/ W. Waldo Bradley                /s/ D. Raymond Riddle
    W. Waldo Bradley                    D. Raymond Riddle



/s/ Otis A. Brumby, Jr.             /s/ Dr. Betty L. Siegel
    Otis A. Brumby, Jr.                 Dr. Betty L. Siegel



/s/ L. L. Gellerstedt, Jr.          /s/ Ben J. Tarbutton, Jr.
    L. L. Gellerstedt, Jr.              Ben J. Tarbutton, Jr.



/s/ David R. Jones                  /s/ Charles McKenzie Taylor
    David R. Jones                      Charles McKenzie Taylor



                                    /s/ Felker W. Ward, Jr.
    Kenneth D. Lewis                    Felker W. Ward, Jr.