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, 2001, 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, 2002
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Jim Berry, Director


/s/ Thomas D. Berry                                            February 28, 2002
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Thomas D. Berry, Director


/s/ Joe Berry Cannon                                           February 28, 2002
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Joe Berry Cannon, Director


/s/ J. Berry Harrison                                          February 28, 2002
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J. Berry Harrison, Director


/s/ Erd M. Johnson                                             February 28, 2002
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Erd M. Johnson, Director


/s/ Betty B. Kerns                                             February 28, 2002
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Betty B. Kerns, Director


/s/ David P. Lambert                                           February 28, 2002
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David P. Lambert, Director


/s/ Linford R. Pitts                                           February 28, 2002
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Linford R. Pitts, Director


/s/ Robert B. Rodgers                                          February 28, 2002
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Robert B. Rodgers, Director


/s/ Russell W. Teubner                                         February 28, 2002
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Russell W. Teubner, Director


/s/ Stanley R. White                                           February 28, 2002
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Stanley R. White, Director