Federal Deposit
Insurance Corporation

From: anne marie silva [mailto:amaroq@velocity.net]
Sent: Tuesday, October 12, 2004 12:17 PM
To: Comments
Subject: CRA

I respectfully request that you abandon proposed regulations changes to CRA because they would hurt people in low income and rural communities.
CRA has been an effective financial vehicle for rural and urban communities for decades. Low and moderate income families of all races and ethnicities have benefited from CRA with increased opportunities to purchase homes, open small businesses, or operate farms,”

Anne Marie Silva
2206 Zimmerly Rd.
Erie PA 16506