Federal Deposit
Insurance Corporation

September 16, 2004

Mr. Robert E. Feldman
Executive Secretary
Attention: 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 Secretary Feldman:

Being a banker for over 40 years and 3rd generation, one of the major hardships on small banks is the CRA exam. We don't need one as harsh as that. We should leave that up to the big banks. Please support the FDIC proposal to expand eligibility for the streamlined CRA exam to banks up to $1 billion.

Sincerely,
Michaux Nash, Jr.
Chairman, CEO & President