To Whom It May Concern:

I work for a bank ($63 million in assets) in a holding company that owns 12
banks in three states (Minnesota, North Dakota and Wisconsin), with asset
size ranging from $24 million to $232 million. I would like to lend my
support to the current proposal, which redefines the definition of a small
institution from $250 million to $500 million without any regard to holding
company asset size. Currently, the holding company is nearing the $1
billion mark. In a few years with the current definition, the twelve banks
will incur significant regulatory burden under the large institution
definition. Many of the banks would have to add staff with the increased
record keeping requirements.

Thank you,

LeAnn Frank
Loan Officer/Compliance
Rural American Bank Hector/Fairfax
Fairfax Office