Federal Deposit
Insurance Corporation

From: Dee Dunagan [mailto:ddunagan@gwbt.com]
Sent: Wednesday, September 22, 2004 1:31 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I am a compliance with a Georgia community bank.

I feel that it would be a wonderful ideal to increase the CRA requirements to 1 billion.

Although I do see the need for many of the regulation requirements community banks are so burdened down with meeting the requirements of the regulations that I feel sometimes we can’t meet the needs of our customers.

The regulations and the community banks are both here to service the people.