BAY VIEW FEDERAL SAVINGS & LOAN ASSOCIATION

July 12, 2004

Robert E. Feldman
Executive Secretary
ATTN: Comments/Executive Secretary Section
Federal Deposit Insurance Corporation

RE: Proposed Changes to FDIC Assessment Certified Statement Rule

Dear Mr. Feldman:

We wish to comment on the above proposed changes. We are a small association with just our main office. As we do not have internet access, we are concerned whether these proposals will include some sort of alternative method to obtain our assessments and invoices.

If you have any questions regarding this matter, please feel free to contact me.

Very truly yours,

Kathleen Marsho
President/CEO