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

LIMITED POWER OF ATTORNEY


	I, PHILIP H. SANFORD, of Chattanooga, Tennessee, hereby appoint
 Robert E. Bosworth of Lookout Mountain, Tennessee, Hugh F. Sharber of
Chattanooga, Tennessee or Theodore K. Whitfield, Jr. of Signal Mountain,
Tennessee as my Attorney-in-Fact for the limited purposes specified herein.

	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
B. Securities and Exchange Commission on my behalf.
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 AttorneyinFact shall be required
 to determine the validity of this instrument or any other document
executed by my AttorneyinFact 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 has been revoked.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instrument has not been revoked unless such party has actual notice,
 either oral or written, of my death or has written notice that it has been
revoked.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 AttorneyinFact 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 9th day of September, 2005.


         /s/ Philip H. Sanford
         PHILIP H. SANFORD
STATE OF TENNESSEE

COUNTY OF HAMILTON

	Personally appeared before me, Pamela D. Blevins, Notary
 Public, PHILIP H. SANFORD, 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 9th day of September, 2005.


	Pamela D. Blevins
	NOTARY PUBLIC
My Commission Expires:	10-06-07