Federal Deposit
Insurance Corporation

From: John Cooper [mailto:jcooper@mdcinc.org]
Sent: Monday, September 20, 2004 9:45 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act. This policy would reduce lending, investments and services in low-income communities.

John Thomas Cooper Jr.
Program for the Rural Carolinas
Chapel Hill, NC