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                                   EXHIBIT 24

                                POWER OF ATTORNEY


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                               POWERS OF ATTORNEY

                       DIRECTORS OF CAPITAL HOLDINGS, INC.

                  Know all men by these presents that each person whose name is
signed below has made, constituted and appointed, and by this instrument does
make, constitute and appoint John S. Szuch his true and lawful attorney with
full power of substitution and resubstitution to affix for him and in his name,
place and stead, as attorney-in-fact, his signature as director or officer, or
both, of Capital Holdings, Inc., an Ohio corporation (the "Company"), to a
Registration Statement on Form S-8 registering under the Securities Act of 1933,
common stock to be issued under the Capital Bank, N.A. Retirement Savings Plan,
and to any and all amendments, post-effective amendments and exhibits to that
Registration Statement, and to any and all applications and other documents
pertaining thereto, giving and granting to such attorney-in-fact full power and
authority to do and perform every act and thing whatsoever necessary to be done
in the premises, as fully as he might or could do if personally present, and
hereby ratifying and confirming all that said attorney-in-fact or any such
substitute shall lawfully do or cause to be done by virtue hereof.

                  IN WITNESS WHEREOF, this Power of Attorney has been signed at
Sylvania, Ohio, this 18th day of November, 1997.


    /s/ James M. Appold                             Director
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James M. Appold

    /s/ David P. Bennett                            Director
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David P. Bennett

                                                    Director
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Yale M. Feniger

    /s/ George A. Isaac, III 
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George A. Isaac, III

    /s/ Michael C. Landin                           Director
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Michael C. Landin

    /s/ Ronald R. Langenderfer                      Director
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Ronald R. Langenderfer

    /s/ Joel A. Levine                              Director
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Joel A. Levine
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                                                    Director
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W. G. Lyden, III


    /s/ Thomas W. Noe                               Director
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Thomas W. Noe

    /s/ Noel S. Romanoff                            Director
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Noel S. Romanoff

    /s/ James D. Sayre                              Director
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James D. Sayre

    /s/ James M. Tuschman                           Director
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James M. Tuschman