EXHIBIT 24

                    POWER OF ATTORNEY FOR FORMS 3, 4, AND 5

         I hereby constitute and appoint Kerby E. Crowell my true and lawful
attorney and agent to execute for and on my behalf Forms 3, 4, and 5 in
accordance with Section 16(a) of the Securities Exchange Act of 1934 and the
rules thereunder; to do any and all things in my name which said person may deem
necessary or advisable to complete the execution of any such Form 3, 4, or 5 and
the filing of such forms and amended forms with the Securities and Exchange
Commission and any other applicable regulatory authority; and I hereby approve,
ratify, and confirm all that said person shall do or cause to be done by virtue
of this Power. This Power shall continue in effect until the earliest of (i) the
date that I revoke it, (ii) the date that you resign as my attorney and agent
hereunder, and (iii) one week after the filing of a Form 4 indicating that I am
no longer subject to Section 16 reporting obligations

             In WITNESS WHEREOF, the undersigned has caused this Power of
Attorney to be executed as of this 26th day of February 2004.


                                    Signature:  /s/    Jerry Lanier
                                             ---------------------------------

                                    Printed Name: Jerry Lanier
                                                ------------------------------


                                    As witnessed by hand and seal on this
                                    26th day of February, 2004

                                    /s/____________________notary______________


                                    Notary Public State of Oklahoma
                                    My Commission expires ___________ ___, 200__