Federal Deposit
Insurance Corporation

From: Jim Wayman [mailto:jimw@esbtrust.com]
Sent: Friday, February 04, 2005 3:05 PM
To: regs.comments@ots.treas.gov; regs.comments@occ.treas.gov; Comments; regs.comments@federalreserve.gov
Subject: EGRPRA

We believe that the threshhold of $10,000 for completing Currency Transaction Reports should be raised. This amount was a lot of money back in 1979 when it was set, but now causes a burden due to the large number of CTRs it causes us to prepare in order to meet the requirements.

Jim Wayman, President
Emporia State Bank & Trust Company
PO Box 807
Emporia, KS 66801
620.340.9908
Fax 620.342.5311
Providing Financial Solutions Since 1901