This Instrument Prepared by: MILLER & MARTIN, LLP 1000 Volunteer Building
832 Georgia Avenue Chattanooga, TN 37402-2289

LIMITED POWER OF ATTORNEY

I, BILL W. STACY, of Chattanooga, Tennessee, hereby appoint A. Alexander
Taylor, II of Lookout Mountain, Tennessee or Hugh F. Sharber of
Chattanooga, Tennessee, as my Attorney-in-Fact.

My Attorney-in-Fact shall have discretionary authority:

A. To execute and file any Form 144, Form 4, Form 5, or any successor
forms required to be filed with the Securities and Exchange Commission
on my behalf.

B. To file this Limited Power of Attorney with the Securities and
Exchange Commission.

A copy, which is certified by a notary public as a true copy of this
instrument, shall be considered to have the same effect as the original.

No party dealing with my Attorney-in-Fact shall be required to determine
the validity of this instrument or any other document executed by my
Attorney-in-Fact or to ascertain whether this instrument has been revoked.
Any party shall be entitled to assume that this instrument has not been
revoked unless such party has actual notice, either oral or written, of
my death or has written notice that it has been revoked.

This instrument shall be construed liberally in favor of conferring
authority upon my Attorney-in-Fact but shall not be deemed to require
the exercise of the discretion given by it.

This instrument shall be governed by the laws of Tennessee.

This instrument shall take effect immediately and shall not be revoked
if I should become physically or mentally disabled.

I reserve the right to amend or revoke this Limited Power of Attorney at
any time I am not disabled and for any reason or no reason.

This 18th day of July, 2002

/s/ Bill W. Stacy

STATE OF TENNESSEE:
COUNTY OF HAMILTON:

Personally appeared before me, /s/Jina Johnson, Notary Public,
BILL W. STACY, with whom I am personally acquainted, and who acknowledged
that he executed the within instrument for the purposes therein
contained. I declare under penalty of perjury that the person whose name
is subscribed to this instrument appears to be of sound mind and under
no duress, fraud or undue influence.

WITNESS my hand, at office, this 18th day of July, 2002

/s/ Jina Johnson

My Commission Expires 4/7/04