From: MICHAEL COCHRAN [mailto:bird7452@msn.com]
Sent: Wednesday, September 15, 2004 8:40 PM
To: Comments
Subject: Community 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 contribute to a continuing decay of the infrastructure of minority and low-income communities by reducing opportunities for lending, investments and services in those communities.

Mike Cochran
(904) 356-4082 ext 203
I.M. Sulzbacher Center for the Homeless
611 E. Adams St.
Jacksonville Fl. 32202