EXHIBIT 99.1








                                                                    EXHIBIT 99.1


                                     CONSENT


     Pursuant  to Rule  438 of the  General  Rules  and  Regulations  under  the
Securities  Act  of  1933,  I  hereby  consent  to  being  named  in  the  Proxy
Statement/Prospectus included in the Registration Statement on Form S-4 to which
this consent is an exhibit and confirm my consent to serve in such capacity.

By:      /s/ Herbert G. Chorbajian
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         Dated:   July 22, 1998
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         Herbert G. Chorbajian

By:
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         Dated:
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         Karen R. Hitchcock