FDIC Federal Register Citations

From: Donna Mair
Sent: Monday, November 10, 2008 12:49 PM
To: Comments
Subject: RIN 3064-AD35 

I do not agree with the proposal to raise the current assessment rates for all banks..  We are a small community bank.  We have conservative policies and the majority of our customers are senior citizens living on a limited fixed income.  Our fees are low and the majority of our loans as low as $500.00 are made to this customer base.    Our profit margins are slim due to our conservative practices.  We have not been caught up in any of the subprime lending in which other financial institutions have been involved and do not feel like we should be penalized for their negligence.

Donna Mair
President
Bank of the South
Pensacola, FL