From: Evon Smith [mailto:esmith@golercdc.org]
Sent: Friday, October 15, 2004 3:19 PM
To: Comments
Subject: Goler CDC

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."

Evon J. Smith
Goler CDC
Winston-Salem NC