Federal Deposit
Insurance Corporation

Tennessee Overhill

From: Linda Caldwell [mailto:lcaldwell@tennesseeoverhill.com]
Sent: Monday, October 18, 2004 12:27 PM
To: Comments
Subject: RIN 3064-AC50".

Please do not raise the limit for banks to be required to comply with CRA requirements. There is already a considerable drain away from rural banks as the profits go into corporate offices in urban areas. This is very visible in the decreasing contributions made by banks in rural communities.

Linda Caldwell
Executive Director
Tennessee Overhill
PO Box 143
Etowah, TN 37331