From: Dave Griffin
[mailto:dgriffin@marsbank.com]
Sent: Tuesday, October 05, 2004 4:00 PM
To: Comments
Subject: RIN Number 3064-AC50
I recommend that FDIC keep, its proposal to raise the threshold
to be a
Large-CRA bank to $1 Billion in assets, active. The cost to a community
bank of the Large-CRA data collection outweighs the benefit of CRA
loans
the bank may make. Community banks make CRA loans whether they are
Large CRA data reporting, or not!