EXHIBIT 24


                                POWER OF ATTORNEY

We, the undersigned directors of the Registrant, hereby severally constitute and
appoint  Marjorie S. Holsinger 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,  1997,  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.



      Signature                            Title                             Date                 
                                                                                               
                                                                         
 /s/ John Chirtea                       Director                          February 25, 1998    
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John Chirtea                                                                                   
                                                                                               
                                        Director                                               
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Susan D. Goff                                                                                  
                                                                                               
 /s/ Solomon Graham                     Director                          February 25, 1998    
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Solomon Graham                                                                                 
                                                                                               
                                        Director                                               
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Gilbert L. Hardesty                                                                            
                                                                                               
 /s/ Joyce R. Hawkins                   Director                          February 25, 1998    
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Joyce R. Hawkins                                                                               
                                                                                               
 /s/ Thomas O. Keech                    Director                          February 25, 1998    
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Thomas O. Keech                                                                                
                                                                                               
 /s/ Charles F. Mess                    Director                          February 25, 1998    
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Charles F. Mess                                                                                
                                                                                               
                                        Director                                               
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Robert L. Mitchell                                                                             
                                                                                               
 /s/ Robert L. Orndorff, Jr.            Director                          February 25, 1998    
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Robert L. Orndorff, Jr.                                                                        
                                                                                               
 /s/ David E. Rippeon                   Director                          February 25, 1998    
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David E. Rippeon                                                                               
                                                                                               
 /s/ Lewis R. Schumann                  Director                          February 25, 1998    
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Lewis R. Schumann                                                                              
                                                                                               
 /s/ W. Drew Stabler                    Director, Chairman of the         February  25, 1998   
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 W. Drew Stabler