Texas Neighborhood Services

From: Woodrow Kaiser [mailto:wkaiser@TXNS.ORG]
Sent: Friday, September 17, 2004 4:17 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Texas Neighborhood Services
314 NW 4th Street
Mineral Wells, Texas 76068

We are opposed to 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 the low-income communities of the thirteen counties that we serve.

Woodrow Kaiser, Executive Director/CEO
Texas Neighborhood Services