EXHIBIT 24.1

                              POWERS OF ATTORNEY


     KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears
below constitutes and appoints Alpha A. Fowler, Jr. and J. David Higgins, and
each of them, as his true and lawful attorneys-in-fact and agent with full power
of substitution and resubstitution, for them and in their name, place and stead,
in any and all capacities to sign any or all amendments to the Application for
Conversion by Douglas Federal Bank, a Federal Savings Bank, and the Form SB-2
Registration Statement by First Deposit Bancshares, Inc. and any amendments
thereto, and to file the same, with all exhibits thereto, and other documents in
connection therewith, with the Office of Thrift Supervision of the Department of
the Treasury (the "OTS") or the U.S. Securities and Exchange Commission,
respectively, granting unto said attorneys-in-fact and agents full power and
authority to do and perform each and every act and thing requisite and necessary
to be done as fully to all intents and purposes as they might or could do in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents or their substitute or substitutes may lawfully do or cause to be done by
virtue hereof.

     Pursuant to the requirements of Part 563b of the OTS Rules and Regulations
and the Securities Act of 1933, as amended, and any rules and regulations
promulgated thereunder, the foregoing Power of Attorney prepared in conjunction
with the Application for Conversion and the Registration Statement has been duly
signed by the following persons in the capacities and on the dates indicated.

                    Name                                             Date
                    ----                                             ----
                
                                                               February 26, 1999

/s/ Alpha A. Fowler, Jr.
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Alpha A. Fowler, Jr., Chairman and Chief Executive 
Officer (principal executive officer), and Chairman
and Chief Executive Officer of Douglas Federal Bank,
a Federal Savings Bank

                                                               February 26, 1999

/s/ J. David Higgins
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J. David Higgins, President and Director, and President and 
Director of Douglas Federal Bank, a Federal Savings Bank

                                                               February 26, 1999

/s/ John L. King
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John L. King, Chief Financial Officer, Vice President and 
Director (principal accounting and financial officer), and 
Vice President, Controller and Director of Douglas Federal 
Bank, a Federal Savings Bank
                                                               February 26, 1999

/s/ Mac C. Abercrombie, Jr.
- ----------------------------
Mac C. Abercrombie, Jr., Director, and Director of Douglas 
Federal Bank, a Federal Savings Bank
                                                               February 26, 1999

/s/ Danny A. Belyeu
- ----------------------------
Danny A. Belyeu, Director, and Director of Douglas Federal 
Bank, a Federal Savings Bank

 
                                                               February 26, 1999

/s/ Carlton H. Boyd
- ----------------------------
Carlton H. Boyd, Director, and Director of Douglas Federal 
Bank, a Federal Savings Bank

                                                               February 26, 1999

/s/ Joseph H. Fowler
- ----------------------------
Joseph H. Fowler, Director, and Director of Douglas Federal 
Bank, a Federal Savings Bank

                                                               February 26, 1999

/s/ John B. Zellars
- ----------------------------
John B. Zellars, Director, and Director of Douglas Federal 
Bank, a Federal Savings Bank