EXHIBIT 24.1

                                POWER OF ATTORNEY

         KNOW ALL MEN BY THESE PRESENTS, that each person whose signature
appears below constitutes and appoints Joseph D. Sansone and James M. McNeill,
and each of them, as his true and lawful attorneys-in-fact, each acting alone,
with full power of substitution and resubstitution, for him and in his name,
place and stead, in any and all capacities, to sign this Registration Statement
on Form S-8 and any and all amendments (including any post-effective amendments)
hereto, and to file the same, with all exhibits thereto and any other documents
in connection therewith, with the Securities and Exchange Commission, granting
unto said attorneys-in-fact and agents, and each of them, full power and
authority to do and perform each and every act and thing requisite and necessary
to be done, as fully to all intents and purposes as he might or could do in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents (or any of them), or their or his substitute or substitutes, may lawfully
do or cause to be done by virtue thereof.

         This 3rd day of December, 2001.


         /s/ Michael J. Finn
         ---------------------------------
         Signature:        Michael J. Finn







                                                                    Exhibit 24.1

                                POWER OF ATTORNEY

         KNOW ALL MEN BY THESE PRESENTS, that each person whose signature
appears below constitutes and appoints Joseph D. Sansone and James M. McNeill,
and each of them, as his true and lawful attorneys-in-fact, each acting alone,
with full power of substitution and resubstitution, for him and in his name,
place and stead, in any and all capacities, to sign this Registration Statement
on Form S-8 and any and all amendments (including any post-effective amendments)
hereto, and to file the same, with all exhibits thereto and any other documents
in connection therewith, with the Securities and Exchange Commission, granting
unto said attorneys-in-fact and agents, and each of them, full power and
authority to do and perform each and every act and thing requisite and necessary
to be done, as fully to all intents and purposes as he might or could do in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents (or any of them), or their or his substitute or substitutes, may lawfully
do or cause to be done by virtue thereof.

         This 3rd day of December, 2001.


         /s/ Michael E. Axelrod
         --------------------------------
         Signature:    Michael E. Axelrod




                                                                    Exhibit 24.1

                                POWER OF ATTORNEY

          KNOW ALL MEN BY THESE PRESENTS, that each person whose signature
appears below constitutes and appoints Joseph D. Sansone and James M. McNeill,
and each of them, as his true and lawful attorneys-in-fact, each acting alone,
with full power of substitution and resubstitution, for him and in his name,
place and stead, in any and all capacities, to sign this Registration Statement
on Form S-8 and any and all amendments (including any post-effective amendments)
hereto, and to file the same, with all exhibits thereto and any other documents
in connection therewith, with the Securities and Exchange Commission, granting
unto said attorneys-in-fact and agents, and each of them, full power and
authority to do and perform each and every act and thing requisite and necessary
to be done, as fully to all intents and purposes as he might or could do in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents (or any of them), or their or his substitute or substitutes, may lawfully
do or cause to be done by virtue thereof.

         This 3rd day of December, 2001.



         /s/ Robert P. Pinkas
         ---------------------------------
         Signature:      Robert P. Pinkas





                                                                    Exhibit 24.1

                                POWER OF ATTORNEY

         KNOW ALL MEN BY THESE PRESENTS, that each person whose signature
appears below constitutes and appoints Joseph D. Sansone and James M. McNeill,
and each of them, as his true and lawful attorneys-in-fact, each acting alone,
with full power of substitution and resubstitution, for him and in his name,
place and stead, in any and all capacities, to sign this Registration Statement
on Form S-8 and any and all amendments (including any post-effective amendments)
hereto, and to file the same, with all exhibits thereto and any other documents
in connection therewith, with the Securities and Exchange Commission, granting
unto said attorneys-in-fact and agents, and each of them, full power and
authority to do and perform each and every act and thing requisite and necessary
to be done, as fully to all intents and purposes as he might or could do in
person, hereby ratifying and confirming all that said attorneys-in-fact and
agents (or any of them), or their or his substitute or substitutes, may lawfully
do or cause to be done by virtue thereof.

         This 3rd day of December, 2001.



         /s/ Edward K. Wissing
         ---------------------------------
         Signature:      Edward K. Wissing