POWER OF ATTORNEY
              
       KNOW ALL MEN BY THESE PRESENTS that
       ____________________________________________________
       DO HEREBY make, nominate, constitute, and appoint
       ____________________________________________________
       true and lawful Attorney for me and in my name, place, and stead 
       and for sole use and benefit to:
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
       ________________________________________________________________
              
       And for all and every of the purpose aforesaid do hereby grant 
       and give unto my said Attorney full and absolute power and 
       authority to do and execute all acts, deeds, matters, and things 
       necessary to be done in and about the premises, and also to 
       commence, institute, and prosecute all actions, suits, and other 
       proceedings which may be necessary or expedient in and about the 
       premises as fully and effectually to all intents and purposes as 
       I could do personally present and acting therein.
                                          
       I am hereby ratifying and confirming and agreeing to ratify and 
       confirm and allow all and whatsoever my said Attorney (or such 
       substitute or substitutes, is allowed) shall lawfully do or cause 
       to be done in the premises by virtue hereof.

       IN WITNESS WHEREOF I have hereunto set my hand and seal this
       __________ day of ________________________ , 19 _______ .


       SIGNED,     )
       SEALED,     )
       AND         ) ____________________________________________
       DELIVERED   )

       
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                         AFFIDAVIT OF EXECUTION

            
       I, _____________________________ of ____________________________
                                                     MAKE OATH AND SAY:

       1.       That I was personally present and did see 
       ____________________________________________
       named in the within instrument who is personally known to me to 
       be the person named therein, duly sign, seal, and execute the 
       same for the purposes named therein.
       
       2.       That the same was executed at _______________________ ,
       and that I am a subscribing witness thereto.
       
       3.       That I know the said _________________________________ ,
       and in my belief her/she is of the full age of majority.


       SWORN BEFORE ME AT        )
       _________________________ )
       _________________________ ) ____________________________________
       THIS _____________ DAY OF )
       _______________ , 19 ____ )                                  
       
       
       ____________________________
       A Notary Public etc.

                   
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       NOTES:

       There are a number of blanks herein, and each is not being 
       identified separately.

       The following two clauses may be added, if desired.
       
       "I also grant my Attorney full power and authority for my said 
       attorney to appoint a substitute or substitutes and such 
       substitution at pleasure to revoke." 
                                     
       "I expressly provide that the authority of my said attorney shall 
       not terminate but shall continue notwithstanding any mental 
       infirmity which I may suffer."