From: Amy S Odum [mailto:amy.odum@cityhall.lima.oh.us]
Sent: Thursday, September 16, 2004 1:36 PM
To: Comments
Cc: David J Berger
Subject: Community Reinvestment -- RIN 3064-AC50

I oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act. This policy would reduce lending, investments and services in low-income communities. In small underserved communities such as Lima,Ohio participation by all local lenders is essential to provide the level of resource needed to improve
the quality of housing and the quality of life for low income residents. I strongly support maintaining required full review and participation of all banks with assets above $250 million.

Amy Sackman Odum
Director
Department of Community Development
City of Lima
50 Town Square
Lima Ohio 45801
(419) 221-5146 ext 5941
Fax (419) 221-5144