From: DPATTER@aol.com [mailto:DPATTER@aol.com]
Sent: Thursday, October 14, 2004 12:35 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

It is important that the community reinvestment act be fully supported by all banks. Therefore I 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. Allowing this change would reduce lending, investments and services in low-income communities.

Dr. David Patterson
Rocklin Academy
Executive Director
2996 Crest Drive
Rocklin, CA 95765
Office: (916) 435-4750
Cell: (916) 801-2454
Fax: (916) 435-4816