FDIC Federal Register Citations

As the CEO of MidCarolina Bank I am writing to respond to this proposed rule. Once again the small community bank is painted with the same brush that regulators often use when they rush to fix a problem. This proposed rule will add increased cost to this and many other small financial institutions with little regard to how it can be effectively implemented. I urge you to carefully examine the process that is undertaken to solve this challenge. I look forward to your progress in helping smaller entities not bear the same brunt that the larger institutions can absorb much more easily.

Randolph J Cary Jr.
 President and CEO