From: Elizabeth A. Lorenz
Sent: Sept. 14, 2004
To: Comments
Subject: RIN number 3064-AC50

To Whom it May Concern,

Please accept this correspondence as First State Bank and Trust Company, Inc.’s support for the proposed revisions to 12 CFR 345. The proposed revisions would raise the asset size threshold to $1 billion regardless of the size of the holding company, add a community development activity criterion to the evaluation process, and would allow for additional credit due to activities in rural areas.

First State Bank and Trust Company, Inc. is located in a rural area, and we have always prided ourselves on the involvement that we have in our local community. The community development activity criterion would more accurately represent our involvement in the community.

Please accept this correspondence as our support to the current FDIC proposal.

Sincerely,

Elizabeth A. Lorenz
Mortgage Lending