EXHIBIT 25

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- K and all amendments and/or supplements to this file this
Annual Report on Form 10- K

Signature Title Date

/s/Thomas N. Gavin Director March 21, 2003
- -------------------------------------------------
Thomas N. Gavin

/s/David B. Gaw Director March 27, 2003
- -------------------------------------------------
David B. Gaw

/s/Fred J. Hearn Jr. Director March 26, 2003
- -------------------------------------------------
Fred J. Hearn Jr.

/s/Conrad W. Hewitt Director March 22, 2003
- -------------------------------------------------
Conrad W. Hewitt

/s/Harlan R. Kurtz Director March 27 , 2003
- -------------------------------------------------
Harlan R. Kurtz

/s/Richard S. Long Director March 22, 2003
- -------------------------------------------------
Richard S. Long

/s/Thomas H. Lowenstein Director March 24, 2003
- -------------------------------------------------
Thomas H. Lowenstein

/s/Thomas F. Malloy Director and March 24, 2003
- ------------------------------------------------- Chairman of the Board
Thomas F. Malloy

/s/Terry L. Robinson President, Chief March 24, 2003
- ------------------------------------------------- Executive Officer and Director
Terry L. Robinson (Principal Executive Officer)

/s/James E. Tidgewell Director March 24, 2003
- -------------------------------------------------
James E. Tidgewell

/s/Lee-Ann Cimino Sr. Vice President March 24, 2003
- ------------------------------------------------- Chief Financial Officer
Lee-Ann Cimino (Principal Financial Officer)