From: William Schneider [mailto:bschneider5@pennswoods.net]
Sent: Wednesday, October 13, 2004 12:04 PM
To: Comments
Cc: AA-Bill AAA-Schneider
Subject: RE: Changes to CRA

If it's not"broke" don't fix it. Don't jeopardize low-income families in small communities. Let things stand as they are and give your time and efforts to furthering other more helpful and needful opportunities. Moe user friendly loan opportunities with easier paybacks.
Bill Schneider Kane PA 16735 bschneider5@pennswoods.net
814-837-9463