Federal Deposit
Insurance Corporation

October 5, 2004

Mr. Robert E. Feldman
Executive Secretary
Attention: Comments/Legal ESS
Federal Deposit Insurance Corporation
550 17th St. NW
Washington, DC 20429

Dear Mr. Feldman,

This letter is in reference to RIN 3064-AC50.

I strongly oppose the proposed rule changing the Community Reinvestment Act regulations. In my opinion, it will really undermine rural communities. Please do not adopt this rule.

Sincerely
ALan E. Krueger
Beverly, WV