Federal Deposit
Insurance Corporation

September 17, 2004

Robert E. Feldman, Executive Secretary
Attention: Comments/Legal ESS
Federal Deposit Insurance Corporation
550 17th Street, NW
Washington, DC 20429

RE: Soy Capital Bank and Trust Company Decatur, Illinois

Dear Mr. Feldman:

As chairman of the board of the Soy Capital Bank and Trust Company, I want to echo the comments made by our president, Robert C. Smith, in his letter dated September 15, 2004, a copy of which is enclosed.

Our bank is acutely aware of the importance of the Community Reinvestment Act and its ramifications. I think our attention to this is reflected by our current, high rating.

Mr. Smith has pointed out to the board the advantages to the Bank and the community if we are allowed to streamline the small bank CRA examination. Therefore, our board strongly supports the effort to increase the threshold from $250,000,000 to $1,000,000,000.

We will continue to uphold the requirements of the CRA in the future, as we feel the requirements benefit the community and our shareholders. Reducing the regulatory and examination burden on our bank will free up human and financial resources that can be directed to our community and used to make loans and provide other services.

Thank you very much for your attention to this.

Sincerely,
Wm. P. Shade, III
Chairman
Soy Capital Bank and Trust