EXHIBIT 24 POWER OF ATTORNEY -14- 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 /s/Terry L. Robinson , Director, Principal Executive December 21, 1999 - ------------------------------------------------- Officer Terry L. Robinson /s/ David B. Gaw , Director December 21, 1999 - ------------------------------------------------- David B. Gaw /s/ Conrad W. Hewitt , Director December 21, 1999 - ------------------------------------------------- Conrad W. Hewitt /s/ Harlan R. Kurtz , Director December 21, 1999 - ------------------------------------------------- Harlan R. Kurtz /s/ Richard S. Long , Director December 21, 1999 - ------------------------------------------------- Richard S. Long /s/ Thomas H. Lowenstein , Director December 21, 1999 - ------------------------------------------------- Thomas H. Lowenstein /s/ Thomas F. Malloy , Director December 21, 1999 - ------------------------------------------------- Thomas F. Malloy /s/ James Tidgewell , Director December 21, 1999 - ------------------------------------------------- James Tidgewell /s/ Lee-Ann Almeida , Principal Financial Officer December 21, 1999 - ------------------------------------------------- Lee-Ann Almeida -15-