Exhibit 24


                                Power of Attorney




                                   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 SB-2 and all  amendments  and/or  supplements to
this Registration Statement on Form SB-2.


/s/ Terry L. Robinson      ,  Director,                      December 20,  1999
- ---------------------------   Principal Executive Officer
Terry L. Robinson


/s/ David B. Gaw           ,  Director                       December 20, 1999
- ---------------------------
David B. Gaw


 /s/ Conrad W. Hewitt      ,  Director                       December 20, 1999
- ---------------------------
Conrad W. Hewitt


/s/ Harlan R. Kurtz        ,  Director                       December 20, 1999
- ---------------------------
Harlan R. Kurtz


/s/ Richard S. Long        ,  Director                       December 20, 1999
- ---------------------------
December 20,  1999
Richard S.  Long


 /s/ Thomas H. Lowenstein  ,  Director                       December 20, 1999
- ---------------------------
20,  1999
Thomas H. Lowenstein


 /s/ Thomas F. Malloy      ,  Director                       December 20, 1999
- ---------------------------
December 20,  1999
Thomas F. Malloy


/s/ James Tidgewell        ,  Director                       December 20, 1999
- ---------------------------
December 20,  1999
James Tidgewell


 /s/ Lee-Ann Almeida       ,  Principal Financial Officer    December 20, 1999
- ---------------------------
 Lee-Ann Almeida