Exhibit (24)
                                POWER OF ATTORNEY

         KNOW ALL BY THESE PRESENTS,  that each person whose  signature  appears
below hereby  constitutes and appoints Anthony Campo and Dwight Foster,  each or
either of them, his true and lawful  attorney-in-fact and agent, with full power
of substitution  and re-substitution  for him and  in his name, place and stead,
in  any  and  all  capacities,   to  sign  any  and  all  amendments  (including
post-effective  amendments) to this Registration  Statement and to file the same
with all exhibits thereto, and other documents in connection therewith, with the
Securities  and Exchange  Commission,  granting unto said  attorney-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 in and about the premises,
as fully to all intents and  purposes as he 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 substitutes, may lawfully do or cause to be done by virtue
thereof.

         In accordance with the requirements of the Securities Act of 1933, this
Registration  Statement  has been signed below on April 6, 2000 by the following
persons in the capacities indicated:

                                                     \S\ ANTHONY S. CAMPO
                                                     Anthony S. Campo,
                                                     Chairman of the Board

                                                     \S\ Dwight Foster
                                                     Dwight Foster, Director


                                                     \S\ FRANCIS PECORELLA
                                                     Francis Pecorella, Director