Federal Deposit
Insurance Corporation

From: Hanston State Bank [mailto:hsbank1@ucom.net]
Sent: Tuesday, October 12, 2004 6:39 PM
To: Comments
Subject: RIN#3064-AC50

Mr. Robert Feldman, Exec. Sec.
Attn: Comments/Legal ESS
FDIC
550 17th Street, NW
Washington, DC 20429

Dr. Feldman:

In reference to the proposal to raise the CRA small institutioin test for banks from 250 million to 1billion, I oppose this. I manage a 30 million Bank for over 20 years. To me the 250 million is still large, and therefore I can not imagine 1 billion be considered small. This change will only make it easier for the larger institutions, and how can anyone really know what a large 1 billion or larger bank is complying unless they are monitored. In a small town of 300 population and 2,000 in our county, we have to be all things to all people or our communities would dry up on the vine worse than they already are.

Thank you for your time and consideration.

Roy J. Soukup
President
Hanston State Bank
Hanston, Kansas 67849