EXHIBIT 24(A)

EXHIBIT 24(b)


BANKAMERICA CORPORATION

RESOLUTIONS OF THE BOARD OF DIRECTORS
JANUARY 27, 1999
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ANNUAL REPORT ON FORM 10-K
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WHEREAS, officers of BankAmerica Corporation (the "Corporation") have
made presentations to the Board of Directors regarding the Corporation's
financial results for the year ended December 31, 1998; and

WHEREAS, the Board has had adequate opportunity to review and comment on
such results;

NOW, THEREFORE, BE IT:

RESOLVED, that the proper officers of the Corporation be, and they
hereby are, authorized and empowered on behalf of the Corporation to prepare,
execute, deliver and file the Corporation's Annual Report on Form 10-K for the
year ended December 31, 1998 (the "Form 10-K"), based upon the information
presented to and considered at this meeting, in such form and with such content
and attachment of exhibits as the signing officers shall approve, their approval
to be conclusively evidenced by their signature thereof; and be it

FURTHER RESOLVED, that the proper officers of the Corporation be, and
they hereby are, authorized and empowered on behalf of the Corporation to
execute the Form 10-K 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 prepare, execute, deliver and file any amendment or amendments
to the Form 10-K, as they may deem necessary or appropriate; and be it

FURTHER RESOLVED, that Charles M. Berger, James W. Kiser and Paul J.
Polking be, and each of them with full power to act without the other hereby is,
authorized and empowered to prepare, execute, deliver and file the Form 10-K and
any amendment or amendments thereto on behalf of and as attorneys for the
Corporation and on behalf of and as attorneys for any of the following: the
principle executive officer, the principal financial officer, the principal
accounting officer, and any other officer of the Corporation; and be it




FURTHER RESOLVED, that, for the purposes of these resolutions, the
"proper officers" of the Corporation are the members of the Policy Committee,
the Secretary, any Executive Vice President, and any Senior Vice President, and
that each of these officers is authorized, empowered and directed, in the name
and on behalf of the Corporation to execute and deliver or cause to be executed
and delivered any and all agreements, amendments, certificates, applications,
notices, letters, or other documents and to do or cause to be done any and all
such other acts and things as, in the opinion of any such officer, may be
necessary, appropriate or desirable in order to enable the Corporation fully and
promptly to carry out the intent of the foregoing resolutions, and any such
action taken by such officers shall be conclusive evidence of their authority.


CERTIFICATE OF SECRETARY


I, ALLISON L. GILLIAM, Assistant Secretary of BankAmerica Corporation, a
corporation duly organized and existing under the laws of the State of Delaware,
do hereby certify that the foregoing is a true and correct copy of resolutions
duly adopted by a majority of the entire Board of Directors of the corporation
at a meeting of the Board of Directors held January 27, 1999, at which meeting a
quorum was present and acted throughout and that the resolutions are in full
force and effect and have not been amended or rescinded as of the date hereof.

IN WITNESS WHEREOF, I have hereupon set my hand and affixed the seal of
the corporation this 22nd day of March 1999.



(CORPORATE SEAL)



/s/ Allison L. Gilliam
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(Allison L. Gilliam)
Assistant Secretary