FDIC Federal Register Citations

From: Paul C. Adamski [mailto:pineries@charter.net]
Sent: Monday, September 20, 2004 5:20 PM
To: Comments
Subject: Streamlined CRA Exam; RIN number 3064-AC50

Paul C. Adamski
3601 Main St.
Stevens Point, WI 54481

September 20, 2004

Comments to FDIC

Dear Comments to FDIC:

As a community banker, I join my fellow community bankers throughout the
nation in strong support of the FDIC's proposal to increase the asset size
limit of banks eligible for the streamlined small-bank CRA examination. I
also strongly support the elimination of the separate holding company
qualification.

In the almost 30 years I have been in the financial services industry I
have consistently observed the fact that community banks often times make
loans that have been turned down by the big banks who know less about the
" community" or have artificial loan thresholds that make this type of
business less desirable to them. My experience has made it obvious that
community banks operating in a manner that certainly does more for the
community than all the paperwork and burdensome regulation that the
current law imposes.

I hope you will consider the practical more than the theoretical when
making your determination on this critical piece of legislation. Thank
you for considering my views.

Sincerely,

Paul C. Adamski