POWER OF ATTORNEY

We, the undersigned directors of the Registrant, hereby severally constitute and
appoint A. Patrick Linton and Mark A. Severson,  or either of them, 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, 1999, 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.

<TABLE>
<CAPTION>
              Signature                         Title                                   Date
<S>                                         <C>                                     <C>
/s/ George B. Callan, Jr.                   Director                                March 14, 2000
------------------------------------
George B. Callan, Jr.


/s/ Miles M. Circo                          Director                                March 14, 2000
------------------------------------
Miles M. Circo


/s/ Shirley D. Collier                      Director                                March 14, 2000
------------------------------------
Shirley D. Collier


/s/ Clyde C. Crum                           Chairman of the Board of Directors      March 14, 2000
------------------------------------
Clyde C. Crum


/s/ James S. Grimes                         Director                                March 14, 2000
------------------------------------
James S. Grimes


/s/ Bernard L. Grove, Jr.                   Director                                March 14, 2000
------------------------------------
Bernard L. Grove, Jr.


/s/ Gail T. Guyton                          Director                                March 14, 2000
------------------------------------
Gail T. Guyton


                                            Director                                March 14, 2000
------------------------------------
Frank L. Hewitt, III


/s/ Jacob R. Ramsburg, Jr.                  Director                                March 14, 2000
------------------------------------
Jacob R. Ramsburg, Jr.


/s/ Kenneth W. Rice                         Director                                March 14, 2000
------------------------------------
Kenneth W. Rice
</TABLE>


                                   Page 1 of 2


<PAGE>




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

/s/ Rand D. Weinberg                        Director                                March 14, 2000
------------------------------------
Rand D. Weinberg


/s/ DeWalt J. Willard, Jr.                  Director                                March 14, 2000
------------------------------------
DeWalt J. Willard, Jr.
</TABLE>








                                   Page 2 of 2