Federal Deposit
Insurance Corporation

Union State Bank

October 1, 2004

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

Re: Increase CRA Threshold RIN #3064-AC50

Dear Mr. Feldman

For a small bank ($30 Million) the regulatory burden has become overwhelming. In my 34 years as a small community Bank President, I have experienced a tremendous increase in the amount of my time required to deal with regulator issues.

Please increase the CRA threshold, which hopefully would help in some way.

Your consideration would be greatly appreciated,

Michael L. Allen President