Mr. Robert E. Feldman
Executive Secretary
Attn: Comments/LegalISS
Federal Deposit Insurance Corporation
550
17 Street, NW
Washington, DC 20429-9990
Re: R1N 3064-AC50
Dear Mr. Feldman:
On behalf of Upper Des Moines Opportunity, Inc., I am writing to
convey our strong opposition to the proposed rule that would change
the Community Reinvestment Act regulations which purports to streamline
the Act's test for banks up to a billion dollars. These rule changes
would have a strong negative impact on many rural communities in
which banks of this size are located.