From: Michael Audette
Sent: Tuesday, November 04, 2008 9:30 AM
To: Comments
Subject: Proposed Rulemaking

Dear Mr. Feldman,

The FDIC’s proposed rule on increasing insurance assessments for banks utilizing FHLB advances in excess of 15% of domestic deposits would be detrimental to small, community banks that rely on advances for liability side liquidity.  This is not the time to further increase assessments in light of expected increases related to the TLGP.

Thank you for your consideration.

Michael L. Audette
President
FamilyFirst Bank