Federal Deposit
Insurance Corporation

September 30, 2004

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

Re: Community Reinvestment,
RIN Number 3064-AC50;
Proposal to Expand Eligibility for the Streamlined CRA EXAM

Dear Mr. Feldman:

The Villa Park Trust & Savings Bank is under regulation by the Federal Reserve Bank, but we would still like to take this opportunity to compliment the FDIC for the position it has taken on expanded eligibility for streamlined CRA exams. Our Regulator did not have the courage to stand up to the misinformed or misguided consumer activist groups which are attacking any changes in the CRA examination guidelines. We appreciate your work on this issue and hope you will continue your efforts to make CRA exams what they were originally meant to be.

Our Bank presently has assets of $268,000,000. We do not see the wisdom of having us moved into a big bank status. Our livelihood depends on taking in local deposits and putting them back out into the local community.

It takes guts to make changes of any kind when it comes to regulations, and we applaud your efforts.

Very truly yours,
Terry Nordensten, President
VILLA PARK TRUST & SAVINGS BANK
Villa Park, IL