Federal Deposit
Insurance Corporation

First Community Bank of Southwest Florida

From: David Hall
Sent: Friday, April 06, 2007 6:10 PM
To: Comments
Subject: Expanded Examination Cycle

Dear FDIC:

I want to express my support for the Expanded Examination Cycle.  Both the FDIC and State of Florida examiners do the best that they can to reduce the time spent here at my bank; however, the time that Management spends preparing for the examination and the time spent with the examiners while they are here, does significantly reduce our time to serve our customers’ needs.  The examiners are very respectful and efficient, but sometimes our customers don’t understand why we are not available to spend more time with them.

In addition, while a $250 million threshold was a high amount when this rule was implemented, in today’s business environment it is not at the same relative level.  $500 million would be a much more reasonable level.

Accordingly, I strongly support the Expanded Examination Cycle.

David Carleton Hall
President and Chief Operating Officer
First Community Bank of Southwest Florida
1565 Red Cedar Drive, Fort Myers, Florida