EXHIBIT (25)

POWER OF ATTORNEY
-----------------

KNOW ALL MEN BY THESE PRESENTS, that each person whose signature appears
below constitutes and appoints Craig S. Miller and Robert M. Brown, and each of
them (with full power to each of them to act alone), his true and lawful
attorneys-in-fact and agents, with full power of substitution and
resubstitution, for him and in his name, place and stead, in any and all
capacities, to sign any or all amendments (including post-effective amendments)
to this Registration Statement, and to file the same, with all exhibits thereto
and other documents in connection therewith, with the Securities and Exchange
Commission, granting unto said attorneys-in-fact and agents, and each of them,
full power and authority to do and perform each and every act and thing
requisite and necessary to be done in and about the premises, as fully to all
intents and purposes as he might or could do in person, hereby ratifying and
confirming all that said attorneys-in-fact and agents, or any of them, or their
substitutes, may lawfully do or cause to be done by virtue hereof.

Signature Title Date
--------- ----- ----

/s/ Craig S. Miller President, Chief Executive February 28, 1997
- -------------------------- Officer, Chief Operating
Craig S. Miller Officer and Director (Principal
Executive Officer)

/s/ Robert M. Brown Treasurer, Senior Vice February 28, 1997
- --------------------------- President - Finance, Chief Financial
Robert M. Brown Officer and Director (Principal
Financial and Accounting Officer)

/s/ Aaron D. Spencer Chairman and Director February 28, 1997
- ---------------------------
Aaron D. Spencer

- --------------------------- Director February , 1997
S. James Coppersmith

/s/ John T. Gerlach Director February 28, 1997
- ---------------------------
John T. Gerlach

/s/ James F. Carlin Director February 26, 1997
- ---------------------------
James F. Carlin

/s/ Stephen J. Sweeney Director February 28, 1997
- ---------------------------
Stephen J. Sweeney

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