EXHIBIT 24

                                POWER OF ATTORNEY

         We, the  undersigned  directors  of the  Registrant,  hereby  severally
constitute and appoint Rick Green our true and lawful  attorney and agent, to do
any and all things in our names in the  capacities  indicated  below  which said
person may deem  necessary or advisable to enable the  Registrant to comply with
the Securities Exchange Act of 1934, as amended, and any rules,  regulations and
requirements of the Securities and Exchange  Commission,  in connection with the
annual  report on Form 10-K for the year  ended  December  31,  1999,  including
specifically,  but not limited  to,  power and  authority  to sign for us in our
names in the  capacities  indicated  below the annual report and any  amendments
thereto;  and we hereby approve,  ratify, and confirm all that said person shall
do or cause to be done by virtue thereof.


/s/ Jim Berry
- --------------------------------------------               February 28, 2001
Jim Berry, Director


/s/ Thomas D. Berry
- --------------------------------------------               February 28, 2001
Thomas D. Berry, Director


/s/ Joe Berry Cannon
- --------------------------------------------               February 28, 2001
Joe Berry Cannon, Director


/s/ J. Berry Harrison
- --------------------------------------------               February 28, 2001
J. Berry Harrison, Director


/s/ Erd M. Johnson
- --------------------------------------------               February 28, 2001
Erd M. Johnson, Director


/s/ Betty B. Kerns
- --------------------------------------------               February 28, 2001
Betty B. Kerns, Director



- --------------------------------------------               February 28, 2001
David P. Lambert, Director


/s/ Alfred L. Litchenburg
- --------------------------------------------               February 28, 2001
Alfred L. Litchenburg, Director


/s/ Linford R. Pitts
- --------------------------------------------               February 28, 2001
Linford R. Pitts, Director


/s/ Robert B. Rodgers
- --------------------------------------------               February 28, 2001
Robert B. Rodgers, Director


/s/ Russell W. Teubner
- --------------------------------------------               February 28, 2001
Russell W. Teubner, Director


/s/ Stanley R. White
- --------------------------------------------               February 28, 2001
Stanley R. White, Director