and immediately declared war on crime, drugs and racism.

He pledged Bermudians: "We are going to listen, attend to your welfare, and take care of affairs. We are going to deliver. I promise you that.'' Dr. Saul also vowed to make a break with the past, and pull the United Bermuda Party together.

"Work with us, believe in us, because we are going to deliver. We are a United Bermuda Party going to work for United Bermuda.'' He added: "The days of little sniping are finished. You will see a united team.'' His comments came after he was sworn-in yesterday at Government House as Bermuda's fifth Premier.

But even as he spoke warning bells were being sounded about the size of the task ahead.

UBP party rebel Mr. Trevor Moniz said Dr. Saul had to play fair with Bermudians who had voted down Independence.

"He is fighting an uphill battle to start with, and has to reflect the Independence referendum result.

"People voted against referendum, and it's important we don't get some sort of collective amnesia now.

"People did not want Independence. It was a monumental waste of time and effort.'' Asked whether he would serve in a Saul Cabinet, Mr. Moniz said: "I am keeping an open mind at the moment.'' And Opposition Progressive Party leader Mr. Frederick Wade delivered a scathing critique of Dr. Saul -- suggesting a prickly relationship between the two camps in the House of Assembly.

"His attitude is that we in the PLP are Budget imbeciles and he is the oracle of financial genius.

"He believes nobody in the world knows more about finance. In my view he has been totally arrogant and indifferent, even when we were right about things.

It is not in the man's nature to be humble.'' Mr. Wade said the election of Dr. Saul flew in the face of public opinion.

"Even with this so-called new beginning, the UBP has disregarded what the public wants.'' The business community, meanwhile, voiced optimism about the prospects of Dr.

Saul as Premier.

President of the Chamber of Commerce Mr. Robert (Bobby) Rego believed Dr. Saul would bring a "business oriented approach'' to the Premiership.

"I think one of the pressing issues for him to face is to revitalise our tourist industry, and he is head of a committee doing just that.

"We are very much concerned with effects of drug abuse, crime and violence in the community.

"We as a business organisation are concerned about the increasing costs of running government, which leads to additional taxation on the business community.'' The swearing-in of 55-year-old Dr. Saul followed a 9.30 a.m. caucus meeting which saw him comfortably beat his rival for the leadership of the United Bermuda Party, the Hon. C.V. (Jim) Woolridge, 14-7.

It is widely believed Government backbencher the Hon. Harry Soares made a last-gasp decision to back Dr. Saul.

The stepping down of Premier the Hon. Sir John Swan automatically meant the dissolution of his Cabinet.

Dr. Saul has stated he would spend the weekend considering the make-up of his Cabinet, and probably announce the new team on Monday afternoon.

Yesterday, UBP sources said former Education Minister Mr. Clarence Terceira was a likely casualty, while former Management and Technology Minister Dr.

Hon. Grant Gibbons was tipped to take on the Finance Ministry portfolio.

Former Youth and Sport Minister Miss Pamela Gordon is also believed to be unwilling to serve in the new administration.

Sir John -- who resigned following the `no' vote by 74 percent of Bermudians in the Independence referendum -- was confident his party's future was in good hands.

"Dr. Saul is an able individual and he will put together a team that will reflect that. I wish him well.

"It has been a great honour to serve for more than 13 years, but democracy and freedom is the prevailing system in this Country and it will go from strength to strength under Dr. Saul.

"I hope the party does not go that far apart. We have to ensure there is accord in the issues that will move the Country in a positive direction.'' After yesterday's Government House ceremony, Dr. Saul wasted no time in promising to take a big broom to Bermudian politics, and his party in particular.

"I can promise this Country this party will be rejuvenated, enthusiastic and above all efficient and competent.'' He said he had heard the cry of Bermudians: Tackle the issues of drugs, crime, equal opportunities, and financial stability.

"I know as a parent what Bermudians want,'' he stated.

Dr. Saul was keen not to play down the troubles which have plagued the UBP.

"It would be naive and silly to say we have not had some problems, not only in the Parliamentary group but in Bermuda itself.'' But, he added: "People of Bermuda this a great place to live in, you know it and everybody else knows it.

"Let's keep it that way, hold hands, work together and move forward.'' Dr. Saul's defeated challenger -- seen as the "people's choice'' for Premier -- put on a brave face.

"I am disappointed, but still determined that we must go an build Bermuda for all of us,'' said Mr. Woolridge.

Woolridge: We must put this behind us "If invited to serve and if the portfolio offered to me was one I would enjoy having, I would serve on the Cabinet. We must put this behind us, it is a new day and we have a new leader.'' As for being the "people's'' choice, Mr. Woolridge said: "What I did was what I thought was right for the Country and the majority of the voting public seemed to have agreed with the position I took.

"I have been viewed as one of the spearheaders of the anti-Independence movement. The party will have to start recognising what the people are saying and we must work together and rebuild the Country. Bermuda is bigger than all of us.

"I will listen to Dr. Saul and see what he has to offer. If it is something I think I would enjoy I would possibly accept.'' UBP MPs who had thrown their weight behind Mr. Woolridge appeared guarded in their responses to Dr. Saul's victory.

Said the Hon. Ann Cartwright DeCouto: "I am disappointed. I am saddened that Mr. Woolridge was not elected.

"There was no shock or surprise after the vote and the Party will go on.'' Mrs. Cartwright DeCouto did not rule out serving under Dr. Saul.

Mr. John Barritt, also a backbencher and Dr. Saul's Devonshire South running mate, commented: "My personal take is this is one occasion I will be pleased to be proved wrong.

"Secondly, I don't think there any winners and losers today. All 21 of us have the potential to be winners and losers.'' Mr. Moniz urged Dr. Saul to pick a Cabinet reflecting the wishes of the people.

But he was reluctant to predict Ministerial changes -- although he pointed out Sir John, and former Cabinet Ministers the Hon. John Irving Pearman, the Hon.

Quinton Edness, and the Hon. Maxwell Burgess had already vowed to move to the back bench in the wake of the referendum `no' vote.

"Dr. Saul never said whether he was for or against Independence. He was a bit shadowy there,'' said Mr. Moniz.

"Quite honestly, I really don't have much of clue about the new Cabinet.'' Mr. Wade said he was not particularly interested in the political changes in Government.

"We as a party are totally indifferent. Our interest has been on how we in the PLP conduct ourselves, rather than whether Mr. Woolridge or Dr. Saul became Premier. We intend to pursue our own programmes.'' Mr. Wade added: "I know a core of the Cabinet will remain the same under Dr.

Saul.

"But the real test will be whether Dr. Saul can command the support in the House of Assembly.'' Chairman of the Bank of Butterfield and former Premier the Hon. Sir David Gibbons said: "I think it shows the strength of the UBP that it can field two excellent candidates.'' He added: "Historically I appointed Jim Woolridge 18 years ago as Minister of Tourism, and I also approved the appointment of Dr. Saul as financial secretary.

Sir David predicted Dr. Saul would bring a different style to the Premiership.

"A lot of work needs to be done, and we need to take a new approach in many areas -- a new broom must be a good thing with the confidence inspired by the referendum result.

"Numerous major construction projects had been put on hold until the referendum was over.'' Bank of Bermuda executive vice-president Mr. Louis Mowbray was also optimistic about Dr. Saul's chances.

"I think he will do a very good job of getting Government back on the rails, and coming to grips with community problems such as crime and drugs.'' Mr. Mowbray said education, and the ailing tourism industry, also needed to be put under the microscope.

"I think Dr. Saul will a very able Premier. He is a very good manager, organiser, and I think he will provide a great deal of focus on the issues that need addressing.

"I also think he will do a lot to the UBP in terms of its grassroots. He has had broad experience as a civil servant.'' Mr. Mowbray went on to call for a boost to Bermuda's economic environment.

"There are limitations on the ability to grow because of shortages in office space and schooling facilities.'' Said Mr. Rego: "The Chamber wanted this process of selecting a leader to be done quickly and we look forward to working with the successful candidate.

"We look forward to creating a dialogue and with his Ministers.'' Mr. Rego had heard Dr. Grant Gibbons would replace Dr. Saul as Finance Ministry.

"I don't want to pick his Cabinet for him, however,'' he stressed, adding: "I think there will be many changes, by virtue of the concerns expressed over four or five weeks. And I believe Dr. Saul will bring fresh blood into Cabinet.

"I think he will be very much business oriented, disciplined and a great asset in respect of controlling expenses.''