<PAGE>

                                P0WER OF ATTORNEY



         KNOW  ALL MEN BY THESE  PRESENTS,  that the  undersigned  Chairman  and
director of Hibernia  Corporation,  a Louisiana corporation (the "Corporation"),
does hereby name,  constitute and appoint  Robert H. Boh,  Patricia C. Meringer,
Gary L. Ryan,  and each of them (with full power to each of them to act  alone),
his true and lawful agents and attorneys-in-fact,  for him and on his behalf and
in his name,  place and  stead,  in any and all  capacities,  to sign,  execute,
acknowledge,  deliver,  and file with the Securities and Exchange Commission (or
any other  governmental  or  regulatory  authority),  the  Annual  Report of the
Corporation on Form 10-K (or other  appropriate  form) for the fiscal year ended
December 31, 1996, and any and all amendments thereto, with any and all exhibits
and any and all other documents  required to be filed with respect thereto or in
connection therewith, granting unto said agents and attorneys, and each of them,
full  power  and  authority  to do and  perform  each and  every  act and  thing
requisite  and  necessary  to be done in and  about  the  premises  in  order to
effectuate  the same as fully to all  intents and  purposes  as the  undersigned
might or could do if personally present, and the undersigned hereby ratifies and
confirms all that said agents and attorneys-in-fact, or any of them may lawfully
do or cause to be done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S ROBERT H. BOH
                                            Robert H. Boh
                                            Chairman and Director
                                            HIBERNIA CORPORATION





<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S J. HERBERT BOYDSTUN
                                            J. Herbert Boydstun
                                            Director
                                            HIBERNIA CORPORATION






<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S J. TERRELL BROWN
                                            J. Terrell Brown
                                            Director
                                            HIBERNIA CORPORATION





<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S E. R. "BO" CAMPBELL
                                            E. R. "Bo" Campbell
                                            Director
                                            HIBERNIA CORPORATION







<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S RICHARD W. FREEMAN, JR.
                                            Richard W. Freeman, Jr.
                                            Director
                                            HIBERNIA CORPORATION






<PAGE>




                                P0WER OF ATTORNEY


         KNOW ALL MEN BY THESE PRESENTS,  that the undersigned President,  Chief
Executive Officer and director of Hibernia Corporation,  a Louisiana corporation
(the  "Corporation"),  does hereby name,  constitute  and appoint Robert H. Boh,
Patricia C. Meringer, Gary L. Ryan, and each of them (with full power to each of
them to act alone),  his true and lawful agents and  attorneys-in-fact,  for him
and on his behalf and in his name,  place and stead,  in any and all capacities,
to sign,  execute,  acknowledge,  deliver,  and file  with  the  Securities  and
Exchange  Commission (or any other  governmental or regulatory  authority),  the
Annual Report of the  Corporation on Form 10-K (or other  appropriate  form) for
the fiscal year ended  December 31, 1996,  and any and all  amendments  thereto,
with any and all exhibits and any and all other  documents  required to be filed
with respect thereto or in connection  therewith,  granting unto said agents and
attorneys, and each of them, full power and authority to do and perform each and
every act and thing requisite and necessary to be done in and about the premises
in order to  effectuate  the same as fully to all  intents  and  purposes as the
undersigned might or could do if personally present,  and the undersigned hereby
ratifies and confirms all that said agents and attorneys-in-fact, or any of them
may lawfully do or cause to be done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S STEPHEN A. HANSEL
                                            Stephen A. Hansel
                                            President, Chief Executive
                                              Officer and Director
                                            HIBERNIA CORPORATION






<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S DICK H. HEARIN
                                            Dick H. Hearin
                                            Director
                                            HIBERNIA CORPORATION






<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S ROBERT T. HOLLEMAN
                                            Robert T. Holleman
                                            Director
                                            HIBERNIA CORPORATION






<PAGE>




                                P0WER OF ATTORNEY


         KNOW ALL MEN BY THESE PRESENTS,  that the undersigned Vice Chairman and
director of Hibernia  Corporation,  a Louisiana corporation (the "Corporation"),
does hereby name,  constitute and appoint  Robert H. Boh,  Patricia C. Meringer,
Gary L. Ryan,  and each of them (with full power to each of them to act  alone),
his true and lawful agents and attorneys-in-fact,  for him and on his behalf and
in his name,  place and  stead,  in any and all  capacities,  to sign,  execute,
acknowledge,  deliver,  and file with the Securities and Exchange Commission (or
any other  governmental  or  regulatory  authority),  the  Annual  Report of the
Corporation on Form 10-K (or other  appropriate  form) for the fiscal year ended
December 31, 1996, and any and all amendments thereto, with any and all exhibits
and any and all other documents  required to be filed with respect thereto or in
connection therewith, granting unto said agents and attorneys, and each of them,
full  power  and  authority  to do and  perform  each and  every  act and  thing
requisite  and  necessary  to be done in and  about  the  premises  in  order to
effectuate  the same as fully to all  intents and  purposes  as the  undersigned
might or could do if personally present, and the undersigned hereby ratifies and
confirms all that said agents and attorneys-in-fact, or any of them may lawfully
do or cause to be done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S HUGH J. KELLY
                                            Hugh J. Kelly
                                            Vice Chairman and Director
                                            HIBERNIA CORPORATION









<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S ELTON R. KING
                                            Elton R. King
                                            Director
                                            HIBERNIA CORPORATION







<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S SIDNEY W. LASSEN
                                            Sidney W. Lassen
                                            Director
                                            HIBERNIA CORPORATION





<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                             /S LAURA A. LEACH
                                             Laura A. Leach
                                             Director
                                             HIBERNIA CORPORATION







<PAGE>




                                P0WER OF ATTORNEY


         KNOW ALL MEN BY THESE PRESENTS,  that the undersigned Vice Chairman and
director of Hibernia  Corporation,  a Louisiana corporation (the "Corporation"),
does hereby name,  constitute and appoint  Robert H. Boh,  Patricia C. Meringer,
Gary L. Ryan,  and each of them (with full power to each of them to act  alone),
his true and lawful agents and attorneys-in-fact,  for him and on his behalf and
in his name,  place and  stead,  in any and all  capacities,  to sign,  execute,
acknowledge,  deliver,  and file with the Securities and Exchange Commission (or
any other  governmental  or  regulatory  authority),  the  Annual  Report of the
Corporation on Form 10-K (or other  appropriate  form) for the fiscal year ended
December 31, 1996, and any and all amendments thereto, with any and all exhibits
and any and all other documents  required to be filed with respect thereto or in
connection therewith, granting unto said agents and attorneys, and each of them,
full  power  and  authority  to do and  perform  each and  every  act and  thing
requisite  and  necessary  to be done in and  about  the  premises  in  order to
effectuate  the same as fully to all  intents and  purposes  as the  undersigned
might or could do if personally present, and the undersigned hereby ratifies and
confirms all that said agents and attorneys-in-fact, or any of them may lawfully
do or cause to be done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S DONALD J. NALTY
                                            Donald J. Nalty
                                            Vice Chairman and Director
                                            HIBERNIA CORPORATION






<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S WILLIAM C. O'MALLEY
                                            William C. O'Malley
                                            Director
                                            HIBERNIA CORPORATION








<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S ROBERT T. RATCLIFF
                                            Robert T. Ratcliff
                                            Director
                                            HIBERNIA CORPORATION







<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S H. DUKE SHACKELFORD
                                            H. Duke Shackelford
                                            Director
                                            HIBERNIA CORPORATION






<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S JAMES H. STONE
                                            James H. Stone
                                            Director
                                            HIBERNIA CORPORATION








<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S JANEE M. "GEE" TUCKER
                                            Janee M. "Gee" Tucker
                                            Director
                                            HIBERNIA CORPORATION





<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S VIRGINIA E. WEINMANN
                                            Virginia E. Weinmann
                                            Director
                                            HIBERNIA CORPORATION





<PAGE>




                                P0WER OF ATTORNEY


         KNOW  ALL MEN BY  THESE  PRESENTS,  that the  undersigned  director  of
Hibernia Corporation,  a Louisiana corporation (the "Corporation"),  does hereby
name, constitute and appoint Robert H. Boh, Patricia C. Meringer,  Gary L. Ryan,
and each of them (with full  power to each of them to act  alone),  his true and
lawful agents and attorneys-in-fact,  for him and on his behalf and in his name,
place and  stead,  in any and all  capacities,  to sign,  execute,  acknowledge,
deliver,  and file with the  Securities  and Exchange  Commission  (or any other
governmental or regulatory  authority),  the Annual Report of the Corporation on
Form 10-K (or other  appropriate  form) for the fiscal year ended  December  31,
1996, and any and all amendments thereto,  with any and all exhibits and any and
all other  documents  required to be filed with respect thereto or in connection
therewith, granting unto said agents and attorneys, and each of them, full power
and  authority  to do and  perform  each and every act and thing  requisite  and
necessary to be done in and about the premises in order to  effectuate  the same
as fully to all intents and  purposes  as the  undersigned  might or could do if
personally  present,  and the undersigned  hereby ratifies and confirms all that
said agents and attorneys-in-fact, or any of them may lawfully do or cause to be
done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S ROBERT E. ZETZMANN
                                            Robert E. Zetzmann
                                            Director
                                            HIBERNIA CORPORATION





<PAGE>




                                P0WER OF ATTORNEY


         KNOW ALL MEN BY THESE  PRESENTS,  that the  undersigned  Controller and
Chief Accounting Officer of Hibernia  Corporation,  a Louisiana corporation (the
"Corporation"), does hereby name, constitute and appoint Robert H. Boh, Patricia
C. Meringer,  Gary L. Ryan, and each of them (with full power to each of them to
act alone), his true and lawful agents and attorneys-in-fact, for him and on his
behalf and in his name,  place and stead,  in any and all  capacities,  to sign,
execute,  acknowledge,  deliver,  and file  with  the  Securities  and  Exchange
Commission  (or any other  governmental  or  regulatory  authority),  the Annual
Report  of the  Corporation  on Form 10-K (or  other  appropriate  form) for the
fiscal year ended December 31, 1996, and any and all  amendments  thereto,  with
any and all exhibits and any and all other  documents  required to be filed with
respect  thereto  or in  connection  therewith,  granting  unto said  agents and
attorneys, and each of them, full power and authority to do and perform each and
every act and thing requisite and necessary to be done in and about the premises
in order to  effectuate  the same as fully to all  intents  and  purposes as the
undersigned might or could do if personally present,  and the undersigned hereby
ratifies and confirms all that said agents and attorneys-in-fact, or any of them
may lawfully do or cause to be done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S RON E. SAMFORD, JR.
                                            Ron E. Samford, Jr.
                                            Controller and Chief Accounting
                                              Officer
                                            HIBERNIA CORPORATION





<PAGE>




                                P0WER OF ATTORNEY


         KNOW ALL MEN BY THESE PRESENTS,  that the  undersigned  Chief Financial
Officer of Hibernia  Corporation,  a Louisiana  corporation (the "Corporation"),
does hereby name,  constitute and appoint  Robert H. Boh,  Patricia C. Meringer,
Gary L. Ryan,  and each of them (with full power to each of them to act  alone),
his true and lawful agents and attorneys-in-fact,  for him and on his behalf and
in his name,  place and  stead,  in any and all  capacities,  to sign,  execute,
acknowledge,  deliver,  and file with the Securities and Exchange Commission (or
any other  governmental  or  regulatory  authority),  the  Annual  Report of the
Corporation on Form 10-K (or other  appropriate  form) for the fiscal year ended
December 31, 1996, and any and all amendments thereto, with any and all exhibits
and any and all other documents  required to be filed with respect thereto or in
connection therewith, granting unto said agents and attorneys, and each of them,
full  power  and  authority  to do and  perform  each and  every  act and  thing
requisite  and  necessary  to be done in and  about  the  premises  in  order to
effectuate  the same as fully to all  intents and  purposes  as the  undersigned
might or could do if personally present, and the undersigned hereby ratifies and
confirms all that said agents and attorneys-in-fact, or any of them may lawfully
do or cause to be done by virtue hereof.

         IN WITNESS  WHEREOF,  the undersigned has hereunto set his hand on this
17th day of December, 1996.



                                            /S MARSHA M. GASSAN
                                            Marsha M. Gassan
                                            Chief Financial Officer
                                            HIBERNIA CORPORATION