From: Alexander Thomas, Jr. [mailto:oppnaka@earthlink.net]
Sent: Friday, October 15, 2004 1:05 AM
To: Comments
Subject: Community Reinvestment 12 CFR Part 345

I oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act. This policy would reduce lending, investments and services in low-income communities.

Alexander Thomas, Jr.