From: james caldwell [mailto:jp_caldwell@yahoo.com]
Sent: Wednesday, October 20, 2004 2:54 PM
To: Comments
Subject: Proposed rule on size of banks for CRA purposes

Dear Sir:

I am writing to oppose the rule that would raise the
asset size of banks for CRA purposes. I think that
this would harm communities around the country.

Regards,

J P. Caldwell
Washington, DC