From: Klibanow, Saul [mailto:sklibanow@pullmanbank.com]
Sent: Wednesday, October 20, 2004 6:13 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Saul Klibanow, President
Pullman Bank Initiatives

As a practioner of community development activities I am concerned that the proposed FDIC rule to relax the requirements on smaller banks will lead to continued disinvestment and lack of involvement by smaller financial institutions. Please do not change the current requirements.