EXHIBIT 7(D)

                               POWERS OF ATTORNEY


     I, John V. LaGrasse, hereby appoint Robert F. Herbert, Jr. and Pauletta P.
Cohn and each of them, any one of whom may act without the joinder of the
others, as attorney-in-fact to sign on my behalf and in the capacity stated
below and to file all amendments to this amended Registration Statement (SEC
File No. 333-79471), which amendment or amendments may make such changes and
additions to this amended Registration Statement as such attorney-in-fact may
deem necessary or appropriate.


                                    By: /s/ JOHN V. LAGRASSE
                                        --------------------
                                         John V. LaGrasse


                                    Date: November 1, 1999