POWER OF ATTORNEY Each person whose signature appears below hereby authorizes Terry L. Robinson or Thomas F. Malloy and either of them, as attorney-in-fact, to sign in his or her behalf, individually and in each capacity stated below, and to file this Annual Report on Form 10- KSB and all amendments and/or supplements to this file this Annual Report on Form 10- KSB Signature Title Date /s/Thomas N. Gavin Director March 25, 2002 - -------------------------- Thomas N. Gavin /s/David B. Gaw Director March 25, 2002 - -------------------------- David B. Gaw /s/Fred J. Hearn Jr. Director March 25, 2002 - -------------------------- Fred J. Hearn Jr. /s/Conrad W. Hewitt Director March 25, 2002 - -------------------------- Conrad W. Hewitt /s/Harlan R. Kurtz Director March 25, 2002 - -------------------------- Harlan R. Kurtz /s/Richard S. Long Director March 25, 2002 - -------------------------- Richard S. Long /s/Thomas H. Lowenstein Director March 25, 2002 - -------------------------- Thomas H. Lowenstein /s/Thomas F. Malloy Director and March 25, 2002 - -------------------------- Chairman of the Board Thomas F. Malloy /s/Terry L. Robinson President, Chief March 25, 2002 - -------------------------- Executive Officer and Director Terry L. Robinson (Principal Executive Officer) /s/James E. Tidgewell Director March 25, 2002 - -------------------------- James E. Tidgewell /s/Lee-Ann Cimino Sr. Vice President March 25, 2002 - -------------------------- Chief Financial Officer Lee-Ann Cimino (Principal Financial Officer)