LIMITED power of attorney
Know all by these presents, that the
undersigned hereby constitutes and appoints
each of Andrew R. Speaker, Paul D. Ehrhardt,
and Gordon A. Coleman, signing individually,
the undersigned's true and lawful
attorney-in-fact to:
execute for and on behalf of the undersigned,
in the undersigned's capacity as an officer or
director of Mercer Insurance Group, Inc. (the
"Company"), Forms 3, 4, and 5 in accordance
with Section 16(a) of the Securities Exchange
Act of 1934 and the rules thereunder;
do and perform any and all acts for and on
behalf of the undersigned which may be
necessary or desirable to complete and execute
any such Form 3, 4, or 5 and timely file such
form with the United States Securities and
Exchange Commission and any stock exchange or
similar authority; and
take any other action of any type whatsoever in
connection with the foregoing which, in the
opinion of such attorney-in-fact, may be of
benefit to, in the best interest of, or legally
required by, the undersigned, it being
understood that the documents executed by such
attorney-in-fact on behalf of the undersigned
pursuant to this Limited Power of Attorney
shall be in such form and shall contain such
terms and conditions as such attorney-in-fact
may approve in such attorney-in-fact's
discretion.
The undersigned hereby grants to each such
attorney-in-fact full power and authority to do
and perform any and every act and thing
whatsoever requisite, necessary, or proper to
be done in the exercise of any of the rights
and powers herein granted, as fully to all
intents and purposes as the undersigned might
or could do if personally present, with full
power of substitution or revocation, hereby
ratifying and confirming all that such
attorney-in-fact, or such attorney-in-fact's
substitute or substitutes, shall lawfully do or
cause to be done by virtue of this power of
attorney and the rights and powers herein
granted.  The undersigned acknowledges that the
foregoing attorneys-in-fact, in serving in such
capacity at the request of the undersigned, are
not assuming, nor is the Company assuming, any
of the undersigned's responsibilities to comply
with Section 16 of the Securities Exchange Act
of 1934.
The undersigned hereby authorizes each such
attorney-in-fact to file any original or copy
of this Limited Power of Attorney with any
institution or person or in any public office,
including the United States Securities and
Exchange Commission.
This Limited Power of Attorney shall remain in
full force and effect until the undersigned is
no longer required to file Forms 3, 4, and 5
with respect to the undersigned's holdings or
transactions in securities issued by the
Company, unless earlier revoked by the
undersigned in a signed writing delivered to
the foregoing attorneys-in-fact.
Any provision of this Limited Power of Attorney
judicially determined to be unenforceable or
invalid for any reason shall be entirely
disregarded and such determination shall not
affect or impair the other provisions hereof.
IN WITNESS WHEREOF, the undersigned has caused
this Limited Power of Attorney to be executed
as of this 16th day of August, 2005.


 /s/ Richard Chichester      August 16, 2005
Signature

Richard Chichester
Print Name