We are a $340 million bank which became a “large” bank for CRA purposes on 1/1/04. Under the proposed rules, we will again qualify to be examined as a “small” bank when the rules take effect. If the new rules take effect on August 15, for example, we will have been a large bank for the first part of the year 2004 and a small bank for the remainder of the year and at least for several more years thereafter. We believe that if we’re examined by the FDIC after the rules become effective, it would be appropriate to be examined as a small bank and we would like the final rule to clarify this. In the meantime, we continue to work hard in all three areas—lending, service and investment—and would continue to work in these areas even as a small bank in an attempt to achieve an “outstanding” rating. Thank you. Thomas Buxton