<PAGE> 1

EXHIBIT 24.1


                             POWER OF ATTORNEY
                             -----------------


      KNOW ALL MEN BY THESE PRESENTS, that each person whose signature
appears below constitutes and appoints Paul H. Hatfield, John M. Casper,
John F. McCartney and Charles R. Miller, jointly and severally, each in his
own capacity, his true and lawful attorney-in-fact, with full power of
substitution, for him and in his name, place and stead, in any and all
capacities, to sign the 1995 Form 10-K, Annual Report pursuant to Section 13
or 15(d) of the Securities Exchange Act of 1934, and to file the same, with
all exhibits thereto, and other documents in connection therewith, with the
Securities and Exchange Commission, hereby ratifying and confirming all that
said attorney-in-fact, or their substitute or substitutes, may lawfully do
or cause to be done by virtue hereof.


<TABLE>
<CAPTION>
      Signature                Title                Date
      ---------                -----                ----

<S>                          <C>              <C>
                              Director          ----------------
---------------------
Paul F. Cornelsen


     /s/                      Director          January 10, 1996
---------------------
Andrew B. Craig, III


     /s/                      Director          January 10, 1996
---------------------
Louis Fernandez


     /s/                      Director          January 10, 1996
---------------------
Wayne J. Grace


     /s/                      Director          January 10, 1996
---------------------
Paul H. Hatfield


     /s/                      Director          January 10, 1996
---------------------
William E. Maritz


     /s/                      Director          January 10, 1996
---------------------
William E. Nasser
<PAGE> 2

<CAPTION>
      Signature                Title                Date
      ---------                -----                ----

<S>                          <C>              <C>
     /s/                      Director          January 10, 1996
---------------------
Richard L. O'Shields


     /s/                      Director          January 10, 1996
---------------------
Fairfax F. Pollnow


                              Director          ----------------
---------------------
Thomas P. Reidy


     /s/                      Director          January 10, 1996
---------------------
Joseph T. Williams

</TABLE>
STATE OF MISSOURI       )
                        ) SS.
COUNTY OF ST. LOUIS     )

      On this 10th day of January, 1996, before me personally appeared
Paul F. Cornelsen, Andrew B. Craig, III, Louis Fernandez, Wayne J. Grace,
Paul H. Hatfield, William E. Maritz, William E. Nasser, Richard L.
O'Shields, Fairfax F. Pollnow, Thomas P. Reidy and Joseph T. Williams, to me
known to be the persons described in and who executed the foregoing Power of
Attorney, and acknowledged that they executed the same as their free act and
deed.



                                               /s/ Terry Raftery
                                         -------------------------------
                                          Notary Public


My Commission Expires:  November 9, 1996


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