Federal Deposit
Insurance Corporation

Cameron State Bank

October 14, 2004

Robert E. Feldman, Executive Secretary
Attn: Comments/Legal ESS
550 17th Street, NW
Washington, DC 20429-0002

Re: Proposed Amendments to CRA

Dear Mr. Feldman:

In FIL-108-2004, your agency asked banks to comment on the proposed amendments to the Community Reinvestment Act. One of the proposed amendments would change the definition of a small institution with total assets of up to $1 billion.

I've been in banking for over twenty years and I agree that it is time to amend the definition of a small bank to total assets of $1 billion. The CRA requirements are difficult and demanding for small community banks to compete with regional and national banks for suitable investments. We are also required to meet other regulatory reporting information that becomes a burden.

As a small community bank, we are in favor of changing the definition of a small institution to one with total assets of up to $1 billion, without regard to the holding company assets.

Thank you for considering this matter.

Sincerely

Craig Whittington
Vice-President