From: William Arnold III [mailto:gibraltardev@yahoo.com]
Sent: Friday, September 17, 2004 7:26 AM
To: Comments
Subject: Comminity 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