Federal Deposit
Insurance Corporation

From: EJWarrick@aol.com [mailto:EJWarrick@aol.com]
Sent: Tuesday, October 19, 2004 9:54 AM
To: Comments
Subject: Community Reinvestment Act

All across America low income communities are being revitalized, giving residents renewed hope for a brighter future. The Community Reinvestment Act is the backbone of this effort. While we would like to believe that banks would continue their work in this area, the CRA ensures it. It is imperative that banks with holdings above $250,000 continue to receive the full scrutiny of the FDIC for compliance.

Elma Warrick