March 29, 2004

Robert E. Feldman
FDIC
550723 NW
Washington, DC 20429

RE: Privacy Disclosures

Dear Robert:

Your agency is requesting written comments on the burdensome privacy notices that financial institutions are required to keep providing to customers. You, no doubt, have received many of them. Because of your position you may read them. But I can assure you, 99% or more of them are simply add to the overflowing landfills across the country without being read.

We fully agree with the concept of privacy and follow it carefully, but the mass mailing of privacy notices is completely without merit. It simply represents one more in a long list of disclosures we are required, under penalty of law, to provide.

Sincerely,

David C. Smith
Vice President
Bennington State Bank
2130 South Ohio
Salina, KS  67402