EXHIBIT 25


POWER OF ATTORNEY


<PAGE>
EXHIBIT 25


POWER OF ATTORNEY


Each person whose signature appears below hereby authorizes Terry L. Robinson or
David B. Gaw and  either  of them,  as  attorney-in-fact,  to sign in his or her
behalf,  individually and in each capacity stated below, and to file this Annual
Report on Form 10- K and all  amendments  and/or  supplements  to this file this
Annual Report on Form 10- K

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


-----------------------------------
Lauren A. Ackerman                                  Director


/s/John B. Anthony, III
-----------------------------------
John B. Anthony, III                                Director                            March 28, 2005


/s/Thomas N. Gavin
-----------------------------------
Thomas N. Gavin                                     Director                            March 28, 2005


/s/David B. Gaw                                     Director and                        March 28, 2005
-----------------------------------                 Chairman of the Board
David B. Gaw


/s/Fred J. Hearn Jr.
-----------------------------------
Fred J. Hearn Jr.                                   Director                            March 28, 2005


                                                    Director
-----------------------------------
Conrad W. Hewitt


/s/Connie L. Klimisch                               Director                            March 28, 2005
-----------------------------------
Connie L. Klimisch


/s/Richard S. Long                                  Director and                        March 28, 2005
-----------------------------------                 Vice Chairman of the Board
Richard S. Long


/s/Thomas H. Lowenstein                             Director                            March 28, 2005
-----------------------------------
Thomas H. Lowenstein


/s/Thomas F. Malloy                                 Director                            March 28, 2005
-----------------------------------
Thomas F. Malloy

<PAGE>


/s/Andrew J. Nicks M.D.                             Director                            March 28, 2005
-----------------------------------
Andrew J. Nicks M.D.



/s/Terry L. Robinson                                President, Chief                    March 28, 2005
-----------------------------------                 Executive Officer and Director
Terry L. Robinson                                   (Principal Executive Officer)


/s/Thomas H. Shelton                                Director                            March 28, 2005
-----------------------------------
Thomas H. Shelton .


/s/Stephen C. Spencer                               Director                            March 28, 2005
-----------------------------------
Stephen C. Spencer


/s/Denise Suihkonen                                 Director                            March 28, 2005
-----------------------------------
Denise Suihkonen


/s/James E. Tidgewell                               Director                            March 28, 2005
-----------------------------------
James E. Tidgewell


/s/Lee-Ann Cimino                                   Sr. Vice President                  March 28, 2005
-----------------------------------                 Chief Financial Officer
Lee-Ann Cimino                                      (Principal Financial Officer)


</TABLE>