Federal Deposit
Insurance Corporation

From: Peggy Hayward [mailto:phayward@sdccd.cc.ca.us]
Sent: Wednesday, October 20, 2004 4:17 PM
To: Comments
Subject: RIN 3064-AC50

Robert E. Feldman
Executive Secretary
Attention: Comments/Legal ISS
Federal Deposit Insurance Corporation

RE: RIN 3064-AC50

Dear Mr. Feldman:

I strongly oppose the proposed rule changing the Community Reinvestment Act
regulations. Changing CRA will undermine the rural communities. Please do
not adopt this rule.

Sincerely,

Stanley D. Hayward
San Diego, CA