From: Betsy Murphy [mailto:betsymurphy@yahoo.com]
Sent: Thursday, September 16, 2004 5:53 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50064-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."