From: Tom Flynn [mailto:tomflynn@thomaspoint.com]
Sent: Tuesday, October 19, 2004 5:15 PM
To: Comments
Subject: Opposition to change in regs regarding CRA

I want to register my view that there should be no change in the CRA regulations regarding threshold. The regs have helped rural areas and neighborhoods and the proposed changes will reduce the positive impact of this law.

Tom Flynn

Annapolis, Maryland