Exhibit 24.c

POWER OF ATTORNEY

Each officer or director whose signature appears below hereby appoints
William S. Creekmuir his true and lawful attorney-in-fact to sign on his
behalf, as an individual and in the capacity stated below, any amendment or
post-effective amendment to this Registration Statement which said
attorney-in-fact may deem appropriate or necessary.

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

/s/Charles R. Eitel Director May 6, 1999
- ------------------------------------
Charles R. Eitel

/s/David A. Jones Director May 6, 1999
- ------------------------------------
David A. Jones

/s/Ian J. McCarthy Director May 6, 1999
- ------------------------------------
Ian J. McCarthy

/s/Zenon S. Nie Director May 6, 1999
- ------------------------------------
Zenon S. Nie

/s/L. Glenn Orr, Jr. Director May 6, 1999
- ------------------------------------
L. Glenn Orr, Jr.

/s/Fred L. Schuermann, Jr. Chairman of the Board, President, May 6, 1999
- ------------------------------------ Chief Executive Officer and Director
Fred L. Schuermann, Jr.

/s/William S. Creekmuir Executive Vice President, May 6, 1999
- ------------------------------------ Secretary, Treasurer and Chief
William S. Creekmuir Financial Officer

/s/Daryl B. Adams Vice President, Corporate May 6, 1999
- ------------------------------------ Controller, Assistant Secretary and
Daryl B. Adams Assistant Treasurer (Principal
Accounting Officer)