EXHIBIT 24

                            POWERS OF ATTORNEY


          KNOW ALL MEN BY THESE PRESENTS, that the undersigned director
 or officer of HOMETOWN BANCORPORATION, INC., a Delaware corporation,
 which is filing with the Securities and Exchange Commission under the
 provisioins of the Securities Exchange Act of 1934, as amended, an
 annual report on Form 10-K for the year ended December 31, 1995, hereby
 constitutes and appoints Kevin E. Gage and Albert T. Jaronczyk, and each
 of them, as the true and lawful attorneys-in-fact and agents, for the
 undersigned, with the power to act either jointly or severally for him
 in his name, place and stead, in any and all capacities to sign such
 anual report on Form 10-K and any and all amendments thereto, and to
 file such annual report on Form 10-K and each such amendment or
 amendments thereto, with all exhibits thereto, and any and all documents
 in connection therewith, with the Securities and Exchange Commission
 hereby granting unto said attorneys-in-fact and agents, and each of
 them, the full power and authority to do and perform any and all acts
 and things requisite and necessary to be done in and about the premises,
 as fully to all intents and purposes as the undersigned might or could
 do in person, hereby ratifying and confirming all that said attorneys-
 in-fact and agents may lawfully do or cause to be done by virtue hereof.

          IN WITNESS WHEREOF, the undersigned has hereunto set his or her
 hand and seal as of the 26th day of March 1996.


                                   /S/ DOUGLAS D. MILNE, III (L.S.)
                                   Douglas D. Milne, III
<PAGE>



                            POWERS OF ATTORNEY


          KNOW ALL MEN BY THESE PRESENTS, that the undersigned director
 or officer of HOMETOWN BANCORPORATION, INC., a Delaware corporation,
 which is filing with the Securities and Exchange Commission under the
 provisioins of the Securities Exchange Act of 1934, as amended, an
 annual report on Form 10-K for the year ended December 31, 1995, hereby
 constitutes and appoints Kevin E. Gage and Albert T. Jaronczyk, and each
 of them, as the true and lawful attorneys-in-fact and agents, for the
 undersigned, with the power to act either jointly or severally for him
 in his name, place and stead, in any and all capacities to sign such
 anual report on Form 10-K and any and all amendments thereto, and to
 file such annual report on Form 10-K and each such amendment or
 amendments thereto, with all exhibits thereto, and any and all documents
 in connection therewith, with the Securities and Exchange Commission
 hereby granting unto said attorneys-in-fact and agents, and each of
 them, the full power and authority to do and perform any and all acts
 and things requisite and necessary to be done in and about the premises,
 as fully to all intents and purposes as the undersigned might or could
 do in person, hereby ratifying and confirming all that said attorneys-
 in-fact and agents may lawfully do or cause to be done by virtue hereof.

          IN WITNESS WHEREOF, the undersigned has hereunto set his or her
 hand and seal as of the 26th day of March 1996.


                                   /S/ KEVIN E. GAGE        (L.S.)
                                   Kevin E. Gage
<PAGE>




                            POWERS OF ATTORNEY


          KNOW ALL MEN BY THESE PRESENTS, that the undersigned director
 or officer of HOMETOWN BANCORPORATION, INC., a Delaware corporation,
 which is filing with the Securities and Exchange Commission under the
 provisioins of the Securities Exchange Act of 1934, as amended, an
 annual report on Form 10-K for the year ended December 31, 1995, hereby
 constitutes and appoints Kevin E. Gage and Albert T. Jaronczyk, and each
 of them, as the true and lawful attorneys-in-fact and agents, for the
 undersigned, with the power to act either jointly or severally for him
 in his name, place and stead, in any and all capacities to sign such
 anual report on Form 10-K and any and all amendments thereto, and to
 file such annual report on Form 10-K and each such amendment or
 amendments thereto, with all exhibits thereto, and any and all documents
 in connection therewith, with the Securities and Exchange Commission
 hereby granting unto said attorneys-in-fact and agents, and each of
 them, the full power and authority to do and perform any and all acts
 and things requisite and necessary to be done in and about the premises,
 as fully to all intents and purposes as the undersigned might or could
 do in person, hereby ratifying and confirming all that said attorneys-
 in-fact and agents may lawfully do or cause to be done by virtue hereof.

          IN WITNESS WHEREOF, the undersigned has hereunto set his or her
 hand and seal as of the 25th day of March 1996.


                                   /S/ RICHARD A. ALLEN    (L.S.)
                                   Richard A. Allen
<PAGE>




                            POWERS OF ATTORNEY


          KNOW ALL MEN BY THESE PRESENTS, that the undersigned director
 or officer of HOMETOWN BANCORPORATION, INC., a Delaware corporation,
 which is filing with the Securities and Exchange Commission under the
 provisioins of the Securities Exchange Act of 1934, as amended, an
 annual report on Form 10-K for the year ended December 31, 1995, hereby
 constitutes and appoints Kevin E. Gage and Albert T. Jaronczyk, and each
 of them, as the true and lawful attorneys-in-fact and agents, for the
 undersigned, with the power to act either jointly or severally for him
 in his name, place and stead, in any and all capacities to sign such
 anual report on Form 10-K and any and all amendments thereto, and to
 file such annual report on Form 10-K and each such amendment or
 amendments thereto, with all exhibits thereto, and any and all documents
 in connection therewith, with the Securities and Exchange Commission
 hereby granting unto said attorneys-in-fact and agents, and each of
 them, the full power and authority to do and perform any and all acts
 and things requisite and necessary to be done in and about the premises,
 as fully to all intents and purposes as the undersigned might or could
 do in person, hereby ratifying and confirming all that said attorneys-
 in-fact and agents may lawfully do or cause to be done by virtue hereof.

          IN WITNESS WHEREOF, the undersigned has hereunto set his or her
 hand  and seal as of the 25th day of March 1996.


                                   /S/ LOUIS T. HAGOPIAN   (L.S.)
                                   Louis T. Hagopian
<PAGE>




                            POWERS OF ATTORNEY


          KNOW ALL MEN BY THESE PRESENTS, that the undersigned director
 or officer of HOMETOWN BANCORPORATION, INC., a Delaware corporation,
 which is filing with the Securities and Exchange Commission under the
 provisioins of the Securities Exchange Act of 1934, as amended, an
 annual report on Form 10-K for the year ended December 31, 1995, hereby
 constitutes and appoints Kevin E. Gage and Albert T. Jaronczyk, and each
 of them, as the true and lawful attorneys-in-fact and agents, for the
 undersigned, with the power to act either jointly or severally for him
 in his name, place and stead, in any and all capacities to sign such
 anual report on Form 10-K and any and all amendments thereto, and to
 file such annual report on Form 10-K and each such amendment or
 amendments thereto, with all exhibits thereto, and any and all documents
 in connection therewith, with the Securities and Exchange Commission
 hereby granting unto said attorneys-in-fact and agents, and each of
 them, the full power and authority to do and perform any and all acts
 and things requisite and necessary to be done in and about the premises,
 as fully to all intents and purposes as the undersigned might or could
 do in person, hereby ratifying and confirming all that said attorneys-
 in-fact and agents may lawfully do or cause to be done by virtue hereof.

          IN WITNESS WHEREOF, the undersigned has hereunto set his or her
 hand  and seal as of the 26th day of March 1996.


                                   /S/ ARNOLD H. LIBNER     (L.S.)
                                   Arnold H. Libner
<PAGE>




                            POWERS OF ATTORNEY


          KNOW ALL MEN BY THESE PRESENTS, that the undersigned director
 or officer of HOMETOWN BANCORPORATION, INC., a Delaware corporation,
 which is filing with the Securities and Exchange Commission under the
 provisioins of the Securities Exchange Act of 1934, as amended, an
 annual report on Form 10-K for the year ended December 31, 1995, hereby
 constitutes and appoints Kevin E. Gage and Albert T. Jaronczyk, and each
 of them, as the true and lawful attorneys-in-fact and agents, for the
 undersigned, with the power to act either jointly or severally for him
 in his name, place and stead, in any and all capacities to sign such
 anual report on Form 10-K and any and all amendments thereto, and to
 file such annual report on Form 10-K and each such amendment or
 amendments thereto, with all exhibits thereto, and any and all documents
 in connection therewith, with the Securities and Exchange Commission
 hereby granting unto said attorneys-in-fact and agents, and each of
 them, the full power and authority to do and perform any and all acts
 and things requisite and necessary to be done in and about the premises,
 as fully to all intents and purposes as the undersigned might or could
 do in person, hereby ratifying and confirming all that said attorneys-
 in-fact and agents may lawfully do or cause to be done by virtue hereof.

          IN WITNESS WHEREOF, the undersigned has hereunto set his or her
 hand  and seal as of the 25th day of March 1996.


                                   /S/ JOSEPH G. MCINTYRE, JR.   (L.S.)
                                   Joseph G. McIntyre, Jr.
<PAGE>




                            POWERS OF ATTORNEY


          KNOW ALL MEN BY THESE PRESENTS, that the undersigned director
 or officer of HOMETOWN BANCORPORATION, INC., a Delaware corporation,
 which is filing with the Securities and Exchange Commission under the
 provisioins of the Securities Exchange Act of 1934, as amended, an
 annual report on Form 10-K for the year ended December 31, 1995, hereby
 constitutes and appoints Kevin E. Gage and Albert T. Jaronczyk, and each
 of them, as the true and lawful attorneys-in-fact and agents, for the
 undersigned, with the power to act either jointly or severally for him
 in his name, place and stead, in any and all capacities to sign such
 anual report on Form 10-K and any and all amendments thereto, and to
 file such annual report on Form 10-K and each such amendment or
 amendments thereto, with all exhibits thereto, and any and all documents
 in connection therewith, with the Securities and Exchange Commission
 hereby granting unto said attorneys-in-fact and agents, and each of
 them, the full power and authority to do and perform any and all acts
 and things requisite and necessary to be done in and about the premises,
 as fully to all intents and purposes as the undersigned might or could
 do in person, hereby ratifying and confirming all that said attorneys-
 in-fact and agents may lawfully do or cause to be done by virtue hereof.

          IN WITNESS WHEREOF, the undersigned has hereunto set his or her
 hand  and seal as of the 26th day of March 1996.


                                   /S/ ROBERT O. WHITE      (L.S.)
                                   Robert O. White
<PAGE>




                            POWERS OF ATTORNEY


          KNOW ALL MEN BY THESE PRESENTS, that the undersigned director
 or officer of HOMETOWN BANCORPORATION, INC., a Delaware corporation,
 which is filing with the Securities and Exchange Commission under the
 provisioins of the Securities Exchange Act of 1934, as amended, an
 annual report on Form 10-K for the year ended December 31, 1995, hereby
 constitutes and appoints Kevin E. Gage and Albert T. Jaronczyk, and each
 of them, as the true and lawful attorneys-in-fact and agents, for the
 undersigned, with the power to act either jointly or severally for him
 in his name, place and stead, in any and all capacities to sign such
 anual report on Form 10-K and any and all amendments thereto, and to
 file such annual report on Form 10-K and each such amendment or
 amendments thereto, with all exhibits thereto, and any and all documents
 in connection therewith, with the Securities and Exchange Commission
 hereby granting unto said attorneys-in-fact and agents, and each of
 them, the full power and authority to do and perform any and all acts
 and things requisite and necessary to be done in and about the premises,
 as fully to all intents and purposes as the undersigned might or could
 do in person, hereby ratifying and confirming all that said attorneys-
 in-fact and agents may lawfully do or cause to be done by virtue hereof.

          IN WITNESS WHEREOF, the undersigned has hereunto set his or her
 hand  and seal as of the 25th day of March 1996.


                                   /S/ ALBERT T. JARONCZYK    (L.S.)
                                   Albert T. Jaronczyk