FIRST NATIONAL BANK, GREENCASTLE, PA

March 3, 2004

Communications Division
Comptroller of the Currency
250 E. Street, SW
Washington, DC 20219
 

RE: OCC 2004-12
OCC Bulletin
Community Reinvestment Act Regulations
Dear Sirs:

I am writing to express my strong support to amend the CRA definition of "small bank" to mean a bank with total assets of less than $500 million. I think this is a long overdue positive change for banking.

Sincerely,

Jeff B. Shank
President/CEO
First National Bank
Greencastle, Pennsylvania