EXHIBIT 24.2

                           BANK OF AMERICA CORPORATION

                       CERTIFICATE OF ASSISTANT SECRETARY

         I, ALLISON L. GILLIAM, Assistant Secretary of Bank of America
Corporation, (the "Company"), a corporation duly organized and existing under
the laws of the State of Delaware, do hereby certify that attached hereto is a
true and correct copy of the resolutions duly adopted by the Board of Directors
of the Company at a meeting of the Board of Directors held on July 24, 2002, at
which meeting a quorum was present and acting throughout and that said
resolutions are in full force and effect and have not been modified, rescinded
or revoked as of the date hereof.

         IN WITNESS WHEREOF, I have hereunto set my hand and affixed the seal of
the Company, this 26th day of July, 2002.


                                                     /s/ Allison L. Gilliam
                                                     ----------------------
                                                     Allison L. Gilliam
                                                     Assistant Secretary

(Corporate Seal)


                                 RESOLUTIONS OF
                            THE BOARD OF DIRECTORS OF
                           BANK OF AMERICA CORPORATION

                                  July 24, 2002

                        Appointment of Attorneys-in Fact

         RESOLVED FURTHER, that Paul J. Polking and Charles M. Berger hereby are
appointed attorneys-in-fact for, and each of them with full power to act without
the other hereby is authorized and empowered to sign the Registration Statement
and any amendment or amendments (including any pre-effective or post-effective
amendments) thereto on behalf of, the Corporation and any of the following: the
Principal Executive Officer, the Principal Financial Officer, the Principal
Accounting Officer, and any other officer of the Corporation;

         RESOLVED FURTHER, that Paul J. Polking is hereby designated as Agent
for Service of the Corporation with all such powers as are provided by the Rules
and Regulations of the Commission;

         RESOLVED FURTHER, that the officers of the Corporation hereby are
authorized and directed to do all things necessary, appropriate, or convenient
to carry into effect the foregoing resolutions.