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                         POWER OF ATTORNEY - SIGN CHECKS


                KNOW ALL MEN BY THESE PRESENTS THAT _________________




        have constituted, ordained, and made, and in my stead and place

        put, and by these presents do constitute, ordain, and make, and

        in my stead and place put _______________________________________


        to be my true, sufficient, and lawful Attorney for me and in my

        name and stead, and to ___________ use, to ask, demand, levy,

        require, recover and receive of and from all and every person or

        persons whomsoever the same shall or may concern, all and

        singular sum or sums of money, debts, goods, wares, merchandise,

        effects and things whatsoever and wheresoever they shall and may

        be found due, owing, payable, belonging and coming unto me the

        constituent by any means whatsoever and to sign and endorse

        checks, drafts, bills and notes in my name and in my stead and to

        be a lawful signatory on any account in my name in any bank or

        trust company.


                IN WITNESS WHEREOF __________ have hereunto set _______

        hand and seal this __________day of _________ in the year of our

        Lord one thousand nine hundred and _______.


        Signed and sealed in presence of        ________________________


       _________________________________        ________________________