EXHIBIT 24(b)
                            NATIONSBANK CORPORATION
                               BOARD OF DIRECTORS
                                   RESOLUTION
                                 MARCH 22, 1995
     RESOLVED, that the Corporation's Annual Report on Form 10-K for the year
ended December 31, 1994 (the "10-K Report"), be, and it hereby is, authorized
and approved substantially in the form presented to and considered at this
meeting, with such changes in form or content or attachment of exhibits as the
signing officers shall approve, their approval to be conclusively evidenced by
their signature thereof;
     RESOLVED FURTHER, that the proper officers of the Corporation be, and they
hereby are, authorized and empowered on behalf of the Corporation to execute the
10-K Report and file it with the Securities and Exchange Commission pursuant to
the Securities Exchange Act of 1934, as amended, and with such other
governmental agencies or instrumentalities as such officers deem necessary or
desirable, and to make, execute and file any amendment or amendments to the 10-K
Report, as they may deem necessary or appropriate;
     RESOLVED FURTHER, that J.W. Kiser and Charles M. Berger be, and each of
them with full power to act without the other hereby is, authorized and
empowered to sign the aforesaid 10-K Report and any amendment or amendments
thereto on behalf of and as attorneys for NationsBank Corporation and on behalf
of and as attorneys for any of the following, to wit: the Principal Executive
Officer, the Principal Financial Officer, the Principal Accounting Officer, and
any other officer of NationsBank Corporation.
     RESOLVED FURTHER, that the officers of NationsBank Corporation be, and they
hereby are, authorized and directed to do all things necessary, appropriate or
convenient to carry into effect, the foregoing resolutions.
                            CERTIFICATE OF SECRETARY
     I, ALLISON L. GILLIAM, Assistant Secretary of NationsBank Corporation, a
corporation duly organized and existing under the laws of the State of North
Carolina, do hereby certify that the foregoing is a true and correct copy of a
resolution duly adopted by a majority of the entire Board of Directors of said
Corporation at a meeting of said Board of Directors held on March 22, 1995, at
which meeting a quorum was present and acted throughout and that said resolution
is in full force and effect and has not been amended or rescinded as of the date
hereof.
     IN WITNESS WHEREOF, I have hereupon set my hand and affixed the seal of
said corporation this 22nd day of March, 1995.
(SEAL)
                                                      ALLISON L. GILLIAM
                                                     ASSISTANT SECRETARY