Federal Deposit
Insurance Corporation

September 20, 2004

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

Dear Mr. Feldman:

We support the FDIC's proposal to increase the threshold for the streamlined small bank CRA examination to $1 billion without regard to the size of the bank's holding company.

We support the addition of a community development criterion to the small bank examination for larger community banks, but we believe that the FDIC should adopt its original $500 million threshold without a Community Development (CD) criterion.

We strongly oppose making the CD criterion a separate test from the bank's overall CRA evaluation.

We strongly support the FDIC's proposal to change the definition of "community development" rom only focusing on low-and moderate-income area residents to including rural residents.

Yours very truly,
Rodney G. Kroll
President & Chairman
TEXAS FIRST STATE BANK
Riesel, TX