From: Hfloydh@aol.com [mailto:Hfloydh@aol.com]
Sent: Monday, October 18, 2004 3:00 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

We 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.

Floyd & Linda Hamilton
Western Urban Development Co.