EXHIBIT 24


                                                     POWER OF ATTORNEY


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                                   EXHIBIT 24


                                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
Registration Statement on Form S-8 and all amendments and/or supplements to this
Registration Statement on Form S-8.



Signature                                             Title                                 Date
- ---------                                             -----                                 ----
                                                                                   
                                                      Director                           May 28, 2002
- -----------------------------------------------------
Thomas N. Gavin


 /s/ David B. Gaw                                     Director                           May 28, 2002
- -----------------------------------------------------
David B. Gaw


                                                      Director                           May 28, 2002
- -----------------------------------------------------
Fred J. Hearn Jr.

 /s/ Conrad W. Hewitt                                 Director                           May 28, 2002
- -----------------------------------------------------
Conrad W. Hewitt

/s/ Harlan R. Kurtz                                   Director                           May 28, 2002
- -----------------------------------------------------
Harlan R. Kurtz


/s/ Richard S. Long                                   Director                           May 28, 2002
- -----------------------------------------------------
Richard S. Long


 /s/ Thomas H. Lowenstein                             Director                           May 28, 2002
- -----------------------------------------------------
Thomas H. Lowenstein

 /s/ Thomas F. Malloy                                 Director and                       May 28, 2002
- ----------------------------------------------------- Chairman of the Board
Thomas F. Malloy


 /s/ Terry L. Robinson                                President, Chief                   May 28, 2002
- ----------------------------------------------------- Executive Officer and Director
Terry L. Robinson                                     (Principal Executive Officer)


 /s/ James E. Tidgewell                               Director                           May 28, 2002
- -----------------------------------------------------
James E. Tidgewell

 /s/ Lee-Ann Cimino                                  Sr. Vice President                  May 28, 2002
- ---------------------------------------------------- Chief Financial Officer
Lee-Ann Cimino                                       (Principal Financial Officer)



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