Federal Deposit
Insurance Corporation

From: Kathy Lykins [mailto:kathylykins@bellsouth.net]
Sent: Tuesday, October 19, 2004 12:22 PM
To: Comments
Subject: RIN 3064-AC50

Gentlemen:

Please do not increase the definition of a small bank from $250 million to $1 billion. Making this change will exempt more than 90 percent of the rural banks you regulate from the three-part exam. Also, do not provide CRA credit for activities which do not benefit low and moderate income people and places. It is hard enough to develop rural communities. These changes would be a blow, reducing rural lending, investments and services.

Respectfully

Kathy Lykins
Loan Officer
Community Housing Inc.
P.O. Box 535
Winchester, KY