FDIC Federal Register Citations

From: Mark Lemmon
Sent: Friday, November 07, 2008 4:29 PM
To: Comments
Subject: Assessments - RIN-3064-AD35

I understand the premise and need to adequately capitalize the insurance
fund, however the premiums are too burdensome to community banks.  Even
as a strong bank that had no contributory element to this crisis, the
proposal would at least double our premium for next year. 

How are we expected to make up such a large detriment to our operating
budget?  It only serves to reduce our capital and ability to serve our
local community.

Please reconsider the magnitude of this "catch-up" adjustment.  It is
very counterproductive in the current economic environment.

Mark Lemmon, CPA
EVP/Chief Financial Officer
Bank of Eastern Oregon