Federal Deposit
Insurance Corporation

From: Pauline Ginsberg [mailto:pginsberg@utica.edu]
Sent: Monday, October 18, 2004 4:46 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I am concerned that the proposed reclassification of banks as "small
banks" will have the effect of limiting members' of smaller and less
affluent communities access to a narrow range of banking services.
Pauline Ginsberg
Utica, NY