Federal Deposit
Insurance Corporation

September 13, 2004

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

RE: RIN number 3064-AC50

Dear Mr. Feldman:

On behalf of our company, I would like to voice my support of the position taken by the FDIC on proposed changes to the Community Reinvestment Act as it pertains to the "small bank" threshold. I believe that all aspects of your proposal will have the effect of reducing regulatory burden with no negative impact on residents of rural communities.

I appreciate the work that you are doing, and have done, in this area to address the changing environment in which we do business.

With warmest regards, I am

Sincerely yours,
J. Alton Wingate