From: Ralph Cottle [mailto:ralphc@ccb-idaho.com]
Sent: Tuesday, March 30, 2004 2:40 PM
To: Comments
Subject: CRA Comments
In this environment of rapidly increasing regulatory burden that
the
independent community banks must endure, it would be such a welcome
relief
to have the CRA asset size requirement from $250 million to $500
million for
the streamlined, small-bank CRA exam. Our bank has just completed
the exam
for this year and the preparation costs have become almost overwhelming.
Please consider this proposal as a positive approach to helping community
banking.
Sincerely,
Ralph G. Cottle
Citizens Community Bank
Pocatello, Idaho