From: Christina A. Fortner [mailto:CFortner@fsbtrust.com]
Sent: Thursday, October 30, 2008 11:21 AM
To: Comments
Subject: RIN # 3064-AD37

I am writing to express my concern and aggravation regarding the fact that the Debt Guarantee Program is subject to an assessment of 75bp annualized. This is a decision that will take much consideration for us to make because of the enormous cost for the program. As CFO, I am convinced that the fee is too high relative to current market rates, including Fed Funds. If banks have to pay 75bp to the FDIC to be guaranteed, we will witness additional banks not being able to survive. It is critical that the program fees be reduced!

Christy Fortner

CFO / Trust Officer / VP
First State Bank & Trust Co., Inc.
100 W. Third St. , Caruthersville, MO 63830
(573) 333-1700 ext. 1106
(573) 575-4506 Direct
(573) 333-3131 Fax