Submitted By  | 
Date Received  | 
| 
        Bow Mills Bank and Trust, Bow, NH - Comment | 
        06/03/04 | 
| 
        Macon Bank, Franklin, NC -
        Comment | 
        06/04/04 | 
| 
        Bill Thompson -
        Comment | 
        06/17/04 | 
| 
        Pan Am Horizons FCU - 
Comment | 
        06/17/04 | 
| 
        First Citizens State Bank, Whitewater, WI -
        Comment | 
        06/23/04 | 
| Kansas State Bank, Manhattan, KS -
        Comment 
        Additional Comment | 
        06/23/04 | 
| 
        Strunk Associates, Houston, TX -
        Comment | 
        06/23/04 | 
| 
        West Texas State Bank, Odessa, TX -
        Comment | 
        06/23/04 | 
| 
        The Commercial Bank of Grayson, Grayson, KY -
        Comment | 
        06/28/04 | 
| 
        The Palmetto Bank, Laurens, SC -
        Comment | 
        06/28/04 | 
| 
        First Arkansas Bank -
        Comment | 
        06/28/04 | 
| 
        Sherman County Bank, Loup City, NE -
        Comment | 
        06/29/04 | 
| 
        Peoples Bank & Trust, Buford, GA -
        Comment | 
        06/29/04 | 
| 
        George Self, Asheville, NC -
        Comment | 
        07/01/04 | 
| 
        Sundown State Bank -
        Comment | 
        07/06/04 | 
| 
        Commercial Bank and Trust Company, Paris, TN -
        Comment | 
        07/08/04 | 
| 
        Citizens Bank of Winfield, Winfield, AL -
        Comment | 
        07/08/04 | 
| 
        Bank of Asheville -
        Comment | 
        07/08/04 | 
| 
        Bank of Idaho, Idaho Falls, ID -
        Comment | 
        07/08/04 | 
| 
        Bank of Dooly, Vienna, GA -
        Comment | 
        07/08/04 | 
| 
        Farmers & Merchants Bank, Stuttgart, AR -
        Comment | 
        07/08/04 | 
| 
        Peoples State Bank, Many, LA -
        Comment | 
        07/13/04 | 
| State Bank for 
        Southern Utah, Cedar City, UT -
        Comment | 
        07/13/04 | 
| 
        Community First Bank, Walhalla, SC -
        Comment | 
        07/13/04 | 
| 
        Morgantown Bank & Trust, Morgantown, KY -
        Comment | 
        07/9/04 | 
| 
        Columbia County Bank, Lake City, FL -
        Comment | 
        07/15/04 | 
| 
        Farmers and Merchants Bank, Monticello, FL -
        Comment | 
        07/15/04 | 
| 
        Priority One Bank, Magee, MS -
        Comment | 
        07/15/04 | 
| 
        Cornerstone National Bank -
        Comment | 
        07/15/04 | 
| 
        Peoples Bank, Rock Valley, IA - Comment | 
        07/16/04 | 
| 
        First Bank of Tennessee, Connie McClendon - Comment | 
        07/16/04 | 
| 
        First Bank of Tennessee, Robin Brown - Comment | 
        07/16/04 | 
| 
        Iowa Trust and Savings Bank, Emmetsburg, IA - Comment | 
        07/19/04 | 
| Security Bank 
        Corporation, Macon, GA -
        Comment | 
        07/19/04 | 
| Godbold 
        Financial Associates, Rock Hill, SC -
        Comment | 
        07/19/04 | 
| 
        First Community Bank, Kansas City, KS -
        Comment | 
        07/20/04 | 
| 
        West Alabama Bank & Trust, Marion, AL -
        Comment | 
        07/20/04 | 
| 
        Florence Savings Bank, Florence, MA - Comment | 
        07/16/04 | 
| 
        Central Bancshares, Lexington, KY -
        Comment | 
        07/23/04 | 
| 
        Metairie Bank & Trust Company, Metairie, LA - 
        Comment | 
        07/23/04 | 
| 
        Stacie S. Brendle - 
        Comment | 
        07/27/04 | 
| 
        New Mexico Public Interest Research Group,  Albuquerque, NM - 
        Comment | 
        07/27/04 | 
| 
        First National Bank of Canadian, Canadian, TX - 
        Comment | 
        07/27/04 | 
| 
        Bank of Old Monroe, Old Monroe, MO -
        Comment | 
        07/28/04 | 
| 
        Holly Pingatore -  Comment | 
        07/28/04 | 
| 
        Lyon County State Bank, Emporia, KS, Tommy Thompson -  Comment | 
        07/27/04 | 
| 
        Lyon County State Bank, Emporia, KS, Judith Schade -  Comment | 
        07/27/04 | 
| 
        Lyon County State Bank, Emporia, KS, Luke Henry -  Comment | 
        07/27/04 | 
| 
        Lyon County State Bank, Emporia, KS, E. Ann McCauley -  Comment | 
        07/28/04 | 
| 
        Lyon County State Bank, Emporia, KS, Daryl Flager -  Comment | 
        07/28/04 | 
| 
        Lyon County State Bank, Emporia, KS, Russ Bonitatibus -  Comment | 
        07/28/04 | 
| 
        Lyon County State Bank, Emporia, KS, Lisa J. Hill -  Comment | 
        08/16/04 | 
| 
        First Bank Kansas, Salina, KS, Melissa Bixby -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Thomas Runyon -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Lloyd Davidson -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Glen Steyer -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Pat Pieschl -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Kent Buer -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Jackie Hogan -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Katie Burt -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Wayne Owen -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Mindi Davidson -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Curt Glaser -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Steve Michel -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Beverly Martin -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Carolyn Berens -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Kristin Haase -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Bill Herrington -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Kermit Dorf -  Comment | 
        07/27/04 | 
| 
        First Bank Kansas, Salina, KS, Rita Northup -  Comment | 
        07/27/04 | 
| 
        Hyden Citizens Bank, Hyden, KS -  Comment | 
        07/23/04 | 
| 
        Farmers and Traders Bank, Campton, KY -  Comment | 
        07/27/04 | 
| 
        First Bank of Tennessee, Dayton, TN -  Comment | 
        07/27/04 | 
| 
        Williamsburg First National Bank, Kingstree, SC -  Comment | 
        07/27/04 | 
| 
        Alliance Bank, Sulphur Springs, TX -  Comment | 
        07/27/04 | 
| 
        First Kansas Bank, Hoisington, KS -  Comment | 
        07/27/04 | 
| 
        Bank of the Carolinas, Mocksville, NC -  Comment | 
        08/03/04 | 
| 
        Ohio Valley Bank Company, Gallipolis, OH -  Comment | 
        08/03/04 | 
| 
        First Bank of Tennessee, Spring City, TN -  Comment | 
        08/03/04 | 
| 
        Woronoco Savings Bank, Westfield, MA -  Comment | 
        08/03/04 | 
| 
        Jim Schneller (first comment)-  Comment | 
        08/03/04 | 
| 
        Marion Bank -  Comment | 
        08/03/04 | 
| 
        Kansas Bankers Association, Topeka, KS -  Comment | 
        08/03/04 | 
| 
        Jim Schneller (second comment) -  Comment | 
        08/03/04 | 
| 
        City Bank, Lubbock, TX -  Comment | 
        08/03/04 | 
| 
        Venture Bank -  Comment | 
        08/03/04 | 
| 
        California Public Interest Research Group, Los Angeles, CA -  Comment | 
        08/03/04 | 
| 
        Greater Rome Bank, Rome, GA -  Comment | 
        08/03/04 | 
| 
        Sentry Bank & Trust, Cheraw, SC -  Comment | 
        08/03/04 | 
| 
        United Community Banks, Blairsville, GA -  Comment | 
        08/03/04 | 
| 
        Paducah Bank and Trust Company, Paducah, KY -  Comment | 
        08/05/04 | 
| 
        IMPACT Financial Services, LLC, Little Rock, AR -  Comment | 
        08/05/04 | 
| 
        Consumer Bankers Association, Washington, DC -  Comment | 
        08/06/04 | 
| 
        Sandi Carr -  Comment | 
        08/05/04 | 
| 
        America's Community Bankers, Washington, DC -  Comment | 
        08/06/04 | 
| 
        Iowa Bankers Association. Johnson, IA -  Comment | 
        08/06/04 | 
| 
        Jefferson State Bank -  Comment | 
        08/02/04 | 
| 
Iowa State Bank & Trust Co., IA -  Comment | 
        08/06/04 | 
| 
Hillcrest Bank, Wichita, KS -  Comment | 
        08/06/04 | 
| 
Union Bank & Trust Company, Lincoln, NE -  Comment | 
        08/06/04 | 
| 
Southwestern Bank, Oklahoma City, OK -   Comment | 
        08/06/04 | 
| 
Devon Bank, Chicago, IL -  Comment | 
        08/06/04 | 
| 
State of Washington, Department of Financial 
        Institutions, Olympia, WA  -  Comment | 
        08/06/04 | 
| 
Independent Community Bankers of America, Washington, 
        DC -  Comment | 
        08/06/04 | 
| 
Citizens Union Bank, Shelbyville, KY -  Comment | 
        08/06/04 | 
| 
Wisconsin Bankers Association, Madison, WI -  Comment | 
        08/06/04 | 
| 
Community Bankers Association of Illinois -  Comment | 
        08/06/04 | 
| 
Georgia Bank & Trust Co. of Augusta -  Comment | 
        08/06/04 | 
| 
Connecticut Bankers Association -  Comment | 
        08/06/04 | 
| 
Berlin City Bank -  Comment | 
        08/06/04 | 
| 
Pinnacle Financial Strategies -  Comment | 
        08/06/04 | 
| 
High Point Bank and Trust -  Comment | 
        08/06/04 | 
| 
Cresco Union Savings Bank, Cresco, IA -  Comment | 
        08/06/04 | 
| 
Financial Service Centers of America -  Comment | 
        08/06/04 | 
| 
America Bankers Association, Washington, DC 
        -  Comment | 
        08/06/04 | 
| 
Surry Bank and Trust, Mount Airy, NC -  Comment | 
        08/06/04 | 
| 
Financial Services Roundtable, Washington, 
        DC -  Comment | 
        08/06/04 | 
| 
Consumer Action, San Francisco, CA -  Comment | 
        08/06/04 | 
| 
First Hawaiian Bank, Honolulu, HI -  Comment | 
        08/06/04 | 
| 
Fishback Financial Corporation, Brookings, 
        SD -  Comment | 
        08/06/04 | 
| 
National Consumer Law Center, Boston, MA -  Comment 
        (PDF) | 
        08/06/04 | 
| 
Independent Bankers Association of Texas, 
        Austin, TX -  Comment | 
        08/06/04 | 
| 
Massachusetts Bankers Association, Boston, 
        MA -  Comment | 
        08/06/04 | 
| 
Exchange Bank, Estill, SC -  Comment | 
        07/29/04 | 
| 
Fort Hood National Bank, Fort Hood, TX -  Comment | 
        08/02/04 | 
| 
Redding Bank of Commerce, Redding, CA -  Comment | 
        08/03/04 | 
| 
First National Bank Texas, Killeen, TX -  Comment | 
        08/02/04 | 
| 
Comerica Incorporated -  Comment | 
        08/04/04 | 
| 
Havana National Bank, Havana, IL -  Comment | 
        08/04/04 | 
| 
Smith River Community Bank, N.A., 
        Martinsville, VA -  Comment | 
        08/04/04 | 
| 
First Bank, Troy, NC -  Comment | 
        08/03/04 | 
| 
Palmetto State Bank, Hampton, SC -  Comment | 
        08/04/04 | 
| 
Profit Technologies, Davidson, NC -  Comment 
        (PDF) | 
        07/28/04 | 
| 
Farmers State Bank, Booneville, KY -  Comment | 
        08/04/04 | 
| 
Pony Express Community Bank, Elwood, KS -  Comment | 
        08/11/04 | 
| 
Joe M. Bailey, Flatonia, TX -  Comment | 
        08/11/04 | 
| 
Keystone Bank, Imperial, MO -  Comment | 
        08/09/04 | 
| 
BancorpSouth, Tupelo, MS -  Comment | 
        08/13/04 | 
| 
Peoples Bank, Pratt, KS -  Comment | 
        08/03/04 | 
| 
Rockland Trust Company, Rockland, MA -
         Comment | 
        08/16/04 | 
| 
Sterling Bank, Houston, TX -
        Comment | 
        08/17/04 | 
| 
        Benjamin Franklin Savings Bank, Franklin, MA - Comment | 
 
        08/25/04 | 
| 
        Eastern Bank, Quincy, MA - Comment | 
 
        09/01/04 |