From: sambucoec [mailto:sambucoec@1st.net]
Sent: Monday, February 16, 2004 1:15 PM
To: Comments
Subject: Raising of the CRA Bank Size minimum

I am in support of the increase in the Asset size of the Bank to be required to submit the additional paperwork and compliance requirements. Since the beginning of the CRA banks have become larger and fewer and there is a need to raise the limit to follow that same pattern.

Errol C. Sambuco,Director
The Citizens Savings Bank
Martins Ferry,Ohio 43935