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, 2004, 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                                                  January 27, 2005
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Jim Berry, Director

/s/ Thomas D. Berry                                            January 27, 2005
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Thomas D. Berry, Director

/s/ Joe Berry Cannon                                           January 27, 2005
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Joe Berry Cannon, Director

/s/ J. Berry Harrison                                          January 27, 2005
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J. Berry Harrison, Director

/s/ Erd M. Johnson                                             January 27, 2005
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Erd M. Johnson, Director

/s/ Betty B. Kerns                                             January 27, 2005
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Betty B. Kerns, Director

/s/ David P. Lambert                                           January 27, 2005
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David P. Lambert, Director

/s/ Linford R. Pitts                                           January 27, 2005
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Linford R. Pitts, Director

/s/ Robert B. Rodgers                                          January 27, 2005
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Robert B. Rodgers, Director

/s/ Russell W. Teubner                                         January 27, 2005
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Russell W. Teubner, Director