Federal Deposit
Insurance Corporation

From: timothy geller [mailto:tccdc@verizon.net]
Sent: Wednesday, October 20, 2004 10:07 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

The proposal to allow banks with assets above $250 million to be examined as
small banks will have a devasting impact on access to lending and other
financial services throughout rural America and low-income communities.

I strongly oppose this proposal.

Timothy Geller