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                                                                   EXHIBIT 99.11

                       CONSENT OF NOMINEE JOHN S. LILLARD

         Pursuant to Rule 483 of the General Rules and Regulations under the
Securities Act of 1933, I hereby consent to the use of information about and
all references to me in the Joint Proxy Statement/Prospectus which is a part of
this Registration Statement.


                                        JOHN S. LILLARD
                                        ---------------------------------------
                                        John S. Lillard


May 28, 1996