POWER OF ATTORNEY

Published on April 23, 2001




EXHIBIT 24.1

POWER OF ATTORNEY


KNOW ALL MEN BY THESE PRESENTS, that each individual whose signature
appears below constitutes and appoints each of John M. Lummis and Martin J.
Merritt, and each of them, as his true and lawful attorneys-in-fact and agents
for the undersigned, with full power of substitution, for and in the name, place
and stead of the undersigned to sign and file with the Securities and Exchange
Commission under the Securities Act of 1933, as amended, (i) any and all
pre-effective and post-effective amendments to this registration statement, (ii)
any registration statement relating to this offering that is be effective upon
filing pursuant to Rule 462(b) under the Securities Act of 1933, as amended,
(iii) any exhibits to any such registration statement or pre-effective or
post-effective amendments or (iv) any and all applications and other documents
in connection with any such registration statement or pre-effective or
post-effective amendments, and generally to do all things and perform any and
all acts and things whatsoever requisite and necessary or desirable to enable
the Registrant to comply with the provisions of the Securities Act of 1933, as
amended, and all requirements of the Securities and Exchange Commission.

Pursuant to the requirements of the Securities Act of 1933, this
Registration Statement has been signed by the following persons on behalf of the
Registrant in the capacities indicated on this 23rd day of April 2001.


SIGNATURE TITLE
--------- -----

/s/ James N. Stanard President, Chief Executive Officer and
----------------------------- Chairman of the Board of Directors
JAMES N. STANARD (Principal Executive Officer)


/s/ John M. Lummis Executive Vice President and Chief
----------------------------- Financial Officer (Principal Financial
JOHN M. LUMMIS and Accounting Officer)

/s/ William I. Riker
-----------------------------
WILLIAM I. RIKER Director & Executive Vice President

/s/ Arthur S. Bahr Director
-----------------------------
ARTHUR S. BAHR

/s/ Thomas A. Cooper Director
-----------------------------
THOMAS A. COOPER

/s/ Edmund B. Greene
-----------------------------
EDMUND B. GREENE Director

/s/ Brian R. Hall
-----------------------------
BRIAN R. HALL Director



/s/ Gerald L. Igou
-----------------------------
GERALD L. IGOU Director


-----------------------------
KEWSONG LEE Director


-----------------------------
PAUL J. LISKA Director

/s/ W. James MacGinnitie
-----------------------------
W. JAMES MACGINNITIE Director

/s/ Scott E. Pardee
-----------------------------
SCOTT E. PARDEE Director

Renaissance U.S. Holdings Inc.

By: /s/ Mark J. Rickey
-------------------------
Name: Mark J. Rickey Authorized Representative in the United
Title: President States