Federal Deposit
Insurance Corporation

From: Rothrock, Larry [mailto:lrothrock@esic.org]
Sent: Tuesday, October 19, 2004 4:46 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

For some years now, The Community Reinvestment Act has served as a critical piece of our nation's affordable housing and community development solutions. I now see that the administration proposes to increase the threshold of what is considered to be a small bank. This would have a deleterious effect by removing many of the community's critical partners from the effective and productive requirements presently in place. I oppose any increase to the threshold of what it is to be considered a small bank and I urge the FDIC to withdraw this proposed rule.

Larry Rothrock
Managing Director, Asset Management
ESIC Realty Partners, Inc.
10227 Wincopin Circle, Suite 800
Columbia, MD 21044-3400
Phone 410-772-2530, Fax 410-772-2580