| Submitted By | Date Received | 
| Jay L. Hack - Comment | 02/11/04 | 
| Gina Fischer - Comment | 02/13/04 | 
| Dennis M. Walker - 
        Comment | 02/23/04 | 
| Bank of Brevard, Melbourne, FL - 
        Comment | 02/23/04 | 
| Southwest Bank, Ft. Worth, TX - Comment | 02/25/04 | 
| Bank of Marinqouin -
         
        Comment | 02/24/04 | 
| Citizens State Bank of Tyler, Tyler, MN - Comment | 02/25/04 | 
| First State Bank of Wabasha, Rodney Kolb - Comment | 02/27/04 | 
| Farmers State Bank of Trenton, Trenton, NE - 
        Comment | 02/25/04 | 
| Androscoggin Savings Bank, Lewiston, ME - Comment | 02/03/04 | 
| Texico State Bank, Part 339 - Comment | 03/05/04 | 
| Texico State Bank, Part 226.23 - Comment | 03/05/04 | 
| Greer State Bank - Comment | 02/09/04 | 
| Dale L. Sewell - Comment | 01/22/04 | 
| Peoples Bank, Wayne Collins - Comment | 03/08/04 | 
| First State Bank of Burlingame, Burlingame, KS -
        Comment | 03/15/04 | 
| Calvin B. Taylor Banking Co., Berlin, MD - Comment | 03/24/04 | 
| Grant Dean, Glenwood, IA - Comment | 03/26/04 | 
| Nancy Hobbs - Comment | 03/26/04 | 
| The First National Bank of Athens, Athens, TX - 
        Comment | 03/26/04 | 
| The Farmers State Bank, Groesbeck, TX - 
        Comment | 03/26/04 | 
| Kansas Bankers Association - Comment | 03/26/04 | 
| Community Bank, Dunlap, IA,  - Comment | 03/26/04 | 
| The First National Bank in Sioux Falls - Comment | 03/26/04 | 
| Cherokee State Bank, Cherokee, IA - Comment | 03/26/04 | 
| Midwest Heritage Bank, Des Moines, IA - 
        Comment | 03/26/04 | 
| First Central State Bank, DeWitt, IA - Comment | 04/02/04 | 
| Orange Savings Bank - Comment | 04/02/04 | 
| State Bank of Lawler, New Hampton, IA - 
        Comment | 04/02/04 | 
| Legacy Bank - Comment | 04/02/04 | 
| First International Bank & Trust, Watford City, ND - 
        Comment | 04/07/04 | 
| Farmers State Bank, Marion, IA - Comment | 04/05/04 | 
| Michael Bresnahan, Hibbing, MN - Comment | 04/05/04 | 
| Charles Lusk, Rossville, GA -
        Comment | 04/05/04 | 
| Nancy Baerwald, Cando, ND - Comment | 04/06/04 | 
| Citizens Bank, The, - Comment | 04/06/04 | 
| Mark Bikus, Macon, GA - Comment | 04/06/04 | 
| Rita Watson, Dublin, GA - Comment | 04/06/04 | 
| Susan Land, Gray, GA - Comment | 04/06/04 | 
| Doug Gibbens, Cando, ND - Comment | 04/06/04 | 
| Sue Carroll, Hawkinsville, GA - Comment | 04/06/04 | 
| Robert L. Hatten, Devils Lake, ND - Comment | 04/06/04 | 
| M. Lee Wiley, Jr., Pinehurst, GA - Comment | 04/06/04 | 
| Sallie Larson, Cando, ND - Comment | 04/06/04 | 
| Susan Kakela, Cando, ND - Comment | 04/06/04 | 
| Kathy Smisson, Warner Robbins, GA - Comment | 04/06/04 | 
| Rivoli Mortgage, Bobby Taylor - Comment | 04/06/04 | 
| Bret Whiteside, Haleyville, AL - Comment | 04/06/04 | 
| Jerry Coody, Hawkinsville, GA - Comment | 04/06/04 | 
| Ray H. Brannen, 
        Macon, GA - Comment | 04/06/04 | 
| John Heller, Denison, IA - 
        Comment | 04/06/04 | 
| Jerry Gosse - 
        Comment | 04/01/04 | 
| Al Vermeer, Rock Valley, IA - 
        Comment | 04/01/04 | 
| Laura Berg, Stoneham, MA - 
        Comment | 04/01/04 | 
| Kent Gaudian, Burlington, IA - 
        Comment | 04/01/04 | 
| James Espeland, Henning, MN - 
        Comment | 04/08/04 | 
| CW Green, Sr - 
        Comment | 04/08/04 | 
| Dewayne Streyle, Leeds, ND -
        
 
Comment | 04/08/04 | 
| Linda Bachtel, Jackson, OH - 
        Comment | 04/08/04 | 
| Dale Gahm, Jackson, OH - 
        Comment | 04/08/04 | 
| Thomas P. Boyer, Fairmont, NE - 
        Comment | 04/08/04 | 
| Jason Leyda, Mason, OH - 
        Comment | 04/08/04 | 
| Independent Bankers of Colorado, Denver, CO - 
        Comment | 04/08/04 | 
| Southwest Bank, Fort Worth, TX - 
        Comment | 04/08/04 | 
| David L. Conrad, Pomfret Center, CT - 
        Comment | 04/08/04 | 
| Leonard Gisvold, Le Sueur, MN -
        
Comment | 04/08/04 | 
| David Knopick, Mankato, MN - 
        
 
Comment | 04/08/04 | 
| John Mullins, Cullman, AL - 
        Comment | 04/08/04 | 
| George Longest, Tappahannock, VA - 
        Comment | 04/08/04 | 
| Bruce Rokke, Wisconsin Rapids, WI - 
        Comment | 04/08/04 | 
| Lawrence Schmick, Wisconsin Rapids, WI - 
        Comment | 04/08/04 | 
| Garden Plain State Bank, Wichita , KS - 
        Comment | 04/08/04 | 
| Robert Hakes, Minonk, IL - 
        Comment | 04/08/04 | 
| Larry Winum, Glenwood, IA -Comment | 04/08/04 | 
| Dana Pannett, Bridgeton, MO - 
Comment | 04/07/04 | 
| John Jordan, Clinton, TN - 
Comment | 04/07/04 | 
| Melissa Henrekin, Rock Falls, IL - 
Comment | 04/07/04 | 
| Steven Lane, Gowrie, IA - 
Comment | 04/07/04 | 
| Roger Cummings, Rensselaer, IN - 
Comment | 04/10/04 | 
| Mike O'Connor, Winamac, IN - 
Comment | 04/10/04 | 
| Craig Lowrimore, Quinton, OK - 
Comment | 04/10/04 | 
| Joanne Quarles-Sikes - 
Comment | 04/10/04 | 
| Daryl Pieczynski, Scottville, MI - 
Comment | 04/10/04 | 
| Raymond P. Thull, Lucan, MN - 
Comment | 04/10/04 | 
| Belinda Lee, St. Cloud, FL - 
Comment | 04/10/04 | 
| Stephanie Parish, Francesville, IN - 
Comment | 04/10/04 | 
| Peachtree Bank, Duluth, GA - 
Comment | 04/10/04 | 
| Sheri Knope, Luxumburg, WI - 
Comment | 04/10/04 | 
| Paula Henderson, McArthur, OH - 
Comment | 04/10/04 | 
| Allen Breland, Forest, MS - 
Comment | 04/10/04 | 
| John Lynch, Oconomowoc, WI - 
Comment | 04/10/04 | 
| Tami Hanley-Janowicz, Madison Heights, MI -
        
Comment | 04/10/04 | 
| Robert Kaiser, Oconomowoc, WI - 
Comment | 04/10/04 | 
| First State Bank, Norton, KS - 
Comment | 04/10/04 | 
| Dennis Upchurch - 
Comment | 04/10/04 | 
| Larry Dewhirst, Williston, ND - 
Comment | 04/10/04 | 
| Cecil Batchelor - 
Comment | 04/10/04 | 
| Ann Dennison, Proctorville, OH - 
Comment | 04/10/04 | 
| Greg White - 
Comment | 04/10/04 | 
| C. E. Coffing, Crawfordsville, IN - 
Comment | 04/10/04 | 
| Sheila Bacchus, Macon, GA - 
Comment | 04/05/04 | 
| Craig Ellard, Macon, GA - 
Comment | 04/05/04 | 
| Patrick McGoldrick, Macon, GA - 
Comment | 04/05/04 | 
| PlantersFirst Bank - 
Comment | 04/05/04 | 
| Jerry Gosse - 
Comment | 04/05/04 | 
| Terry Jorde, Cando, ND - 
Comment | 04/05/04 | 
| Colony Bank, Larry Herndon - 
Comment | 04/13/04 | 
| Colony Bank, Helen Kennedy - 
Comment | 04/13/04 | 
| Colony Bank, Doyce E. Mullis, Jr. - 
Comment | 04/13/04 | 
| National Community Reinvestment Coalition -
        
Comment | 04/13/04 | 
| Susan Hicks, Winter Park, FL - 
Comment | 04/14/04 | 
| Jeremy Glasford, Francesville, IN - 
Comment | 04/14/04 | 
| Judy Barrett, Orlando, FL - 
Comment | 04/14/04 | 
| Carolyn Burnette, Orlando, FL - 
Comment | 04/14/04 | 
| Michigan Community Reinvestment Corp., 
        Detroit, MI - 
Comment | 04/14/04 | 
| Sharon Fontana, Windermere, FL - 
Comment | 04/14/04 | 
| Chris Wrye, Orlando, FL - 
Comment | 04/14/04 | 
| Laura Distelcamp, Apopka, FL - 
Comment | 04/14/04 | 
| David McComb, Orlando, FL - 
Comment | 04/14/04 | 
| Cherie Fenell, Orlando, FL - 
Comment | 04/14/04 | 
| Community Bank of Parkersburg, 
Comment | 04/14/04 | 
| Colony Bank, Ricky Freeman - 
Comment | 04/14/04 | 
| BB&T Corporation - 
Comment | 04/14/04 | 
| John R. Casebier, Winter Park, FL - 
Comment | 04/14/04 | 
| John Lewis Community Services - 
Comment | 04/14/04 | 
| Tim Kubli, Rio Vista, CA - 
Comment | 04/14/04 | 
| F. Virgil Smyer, Walton, WV - 
Comment | 04/15/04 | 
| Citizens National Bank, Bluffton - 
Comment | 04/15/04 | 
| Rockville Bank - 
Comment | 04/15/04 | 
| Ronald Braseth, Mayville, ND - 
Comment | 04/15/04 | 
| Randal Morley, Tulsa, OK - 
Comment | 04/15/04 | 
| Small Business Administration - 
Comment | 04/15/04 | 
| Steve Dehnert, Fort Atkinson, WI -
        
Comment | 04/16/04 | 
| Lakeside State Bank, New Town, ND -
Comment | 04/16/04 | 
| Kurt Johnson, Whitehall, WI
-
Comment | 04/16/04 | 
| Mark Darnell, Lafayette, TN
-
Comment | 04/16/04 | 
| Donald Volkman, Waupaca, WI
-
Comment | 04/16/04 | 
| Wyoming Bank and Trust Company, Wyoming, IL 
        - 
Comment | 04/16/04 | 
| First State Bank, Yoakum, TX - 
Comment | 04/16/04 | 
| Sharon Bonikowske, Waupaca, WI -  
Comment | 04/16/04 | 
| Rockville Bank, South Windsor, CT -
         
Comment | 04/16/04 | 
| Bill McQuillan, Greeley, NE -  
Comment | 04/16/04 | 
| Karen Zimmer, Litchfield, MN -  
Comment | 04/16/04 | 
| Iowa Bankers Association, Johnston, IA - 
Comment | 04/16/04 | 
| Mike McQuillan, Greeley, NE -  
Comment | 04/16/04 | 
| Jim Brown, Eldora, IA -  
Comment | 04/16/04 | 
| Tobey Wilkins, Seattle, WA -  
Comment | 04/16/04 | 
| Patricia Fagan, Osawatomie, KS - 
Comment | 04/16/04 | 
| Allen McClary, Jellico, TN - 
Comment | 04/16/04 | 
| Scott Ball, Salem, MO - 
Comment | 04/16/04 | 
| James Vincent, Ottoville, OH -  
Comment | 04/16/04 | 
| Tim Thompson, Honea Path, SC -  
Comment | 04/16/04 | 
| Charles Johannsen, Fremont, NE -  
Comment | 04/16/04 | 
| Harleysville National Bank & Trust Co 
        - 
Comment | 04/16/04 | 
| Craig Goodlock, Munith, MI - 
Comment | 04/16/04 | 
| Ratna Ray -  
Comment | 04/16/04 | 
| Rebecca White, Elizabeth, IL -  
Comment | 04/16/04 | 
| Jeffery Britt, Smithfield, NC -  
Comment | 04/16/04 | 
| Jon Prescott, Patten, ME -  
Comment | 04/16/04 | 
| Dennis Guenzler, Elizabeth, IL -  
Comment | 04/16/04 | 
| Delia Dunagan, Chickamauga, GA -  
Comment | 04/19/04 | 
| 1stBank Holding Co, Lakewood, CO -  
Comment | 04/19/04 | 
| Thomas O'Brien, Minersville, PA -  
Comment | 04/19/04 | 
| Robert Weinzapfel, Muenster, TX -  
Comment | 04/19/04 | 
| Charles A. Hardin, Darlington, SC -  
Comment | 04/19/04 | 
| Brad Grant, Brillion, WI -  
Comment | 04/19/04 | 
| Joseph T Baptista Jr, Taunton, MA -  
Comment | 04/19/04 | 
| Gordon Waller, Malden, MO -  
Comment | 04/19/04 | 
| Greg Smitley -  
Comment | 03/31/04 | 
| Campbell & Fetter Bank, Kendallville, IN -
         
Comment | 04/19/04 | 
| Barbara Carlson, Sauk Centre, MN -  
Comment | 04/19/04 | 
| Easton Bank & Trust -  
Comment | 04/19/04 | 
| Ronald Chamberlin, Eitzen, MN -  
Comment | 04/19/04 | 
| Toby Burrichter, Eitzen, MN -  
Comment | 04/19/04 | 
| Jeremy Leis, Eitzen, MN -  
Comment | 04/19/04 | 
| Gene Davis, Mansfield, OH -  
Comment | 04/19/04 | 
| James R. North, Saint Ignace, MI
- 
Comment | 04/19/04 | 
| Rhonda Martin, Attica, OH -  
Comment | 04/19/04 | 
| Bill Cassity, Rushville, MO -  
Comment | 04/19/04 | 
| Jake Millikin - 
Comment | 04/19/04 | 
| Merchants and Planters Bank, Newport, AR -
         
Comment | 04/19/04 | 
| Corrine Clark, Salt Lake City, UT -  
Comment | 04/19/04 | 
| Brynn Riley, Tuckerman, AR -  
Comment | 04/19/04 | 
| Paula Yuhas, Cord, AR - 
Comment | 04/19/04 | 
| Rick Bauer, Attica, OH -  
Comment | 04/19/04 | 
| Mark Graff, McCook, NE -  
Comment | 04/19/04 | 
| Carla Stiger, Newport, AR -  
Comment | 04/19/04 | 
| Sharon B. Moorhead, Darby, PA -  
Comment | 04/19/04 | 
| Mike Ellenburg, Stevenson, AL -  
Comment | 04/19/04 | 
| Curtis Taylor, Heber City, UT -  
Comment | 04/19/04 | 
| Bill Zahl, Stratton, NE -  
Comment | 04/19/04 | 
| David Franklin, Lineville, AL -  
Comment | 04/19/04 | 
| Community First Bank, Rosholt, WI -  
Comment | 04/19/04 | 
| Carol Penix, Newport, AR -  
Comment | 04/19/04 | 
| C.R. Cloutier, Lafayette, LA -  
Comment | 04/19/04 | 
| Mary Trepp, Urbandale, IA - 
Comment | 04/19/04 | 
| Bryant Johnson, Jamestown, TN -  
Comment | 04/19/04 | 
| Francis Myhre, Eitzen, MN -  
Comment | 04/19/04 | 
| Dane Moll, Willard, OH -  
Comment | 04/19/04 | 
| John Casey, Salem, MO -  
Comment | 04/19/04 | 
| Marcia Teeters, Ft. Oglethorpe, GA -  
Comment | 04/19/04 | 
| Kim Creek, Ft. Oglethorpe, GA -  
Comment | 04/19/04 | 
| Larry Voss, Cambridge, NE
-  
Comment | 04/19/04 | 
| James P. Ghiglieri -  
Comment | 04/19/04 | 
| Kent Carruthers -  
Comment | 04/19/04 | 
| Sharon Revious, Colorado Springs, CO -
         
Comment | 04/19/04 | 
| Kimberly Carter, Elk River, IL -  
Comment | 04/19/04 | 
| Diane M. DeRubeis, Washburn, IL -  
Comment | 04/19/04 | 
| Sean Cunningham, Minonk, IL -  
Comment | 04/19/04 | 
| Autumn Rains, Trion, GA - 
Comment | 04/19/04 | 
| Leland M. Stenehjem, Fargo, ND -  
Comment | 04/19/04 | 
| Maria Warner, East Peoria, IL -  
Comment | 04/19/04 | 
| Margaret Tiede, Francesville, IN -  
Comment | 04/19/04 | 
| Richard L. Brown, Carlsbad, NM -  
Comment | 04/19/04 | 
| Tommy Sexton, Clarksville, AR -  
Comment | 04/19/04 | 
| Troy Cloutier, Houma, LA - 
Comment | 04/19/04 | 
| Blaine DesLauriers, Minot, ND -  
Comment | 04/19/04 | 
| Jeanne Cloutier, Houma, LA -  
Comment | 04/19/04 | 
| Tim Devitt, Sanborn, IA -  
Comment | 04/19/04 | 
| Kirk L. Sandquist, Deer Lodge, MT -   
Comment | 04/19/04 | 
| Wayne Lewis, Roanoke, VA -   
Comment | 04/19/04 | 
| Sheryl McClenathan, Cedar Rapids, IA -
          
Comment | 04/19/04 | 
| Kara C. Erickson, Scottsdale, AZ -   
Comment | 04/19/04 | 
| Ryan Hertz, Minot, ND - 
Comment | 04/19/04 | 
| Katie Soderberg, Minot, ND -  
Comment | 04/19/04 | 
| Dick Schoeing, Wilton, IA -  
Comment | 04/19/04 | 
| Jon Allen, Pleasant Grove, UT -  
Comment | 04/19/04 | 
| Cheryl Chappell, Mountain Home, AR -  
Comment | 04/19/04 | 
| Jan Miller, Attica, OH -  
Comment | 04/19/04 | 
| Priscilla Muse, Goldthwaite, TX -   
Comment | 04/19/04 | 
| Jacqueline Kluver, Norwood Young America, MN 
        -   
Comment | 04/19/04 | 
| David A. Callies, Howard, SD -   
Comment | 04/19/04 | 
| Ronald H. Frey, Hamburg, PA -   
Comment | 04/19/04 | 
| Doug Pittman, Round Rock, TX -  
Comment | 04/19/04 | 
| Cathy A. Davis, Gruver, TX -   
Comment | 04/19/04 | 
| Donald D. Dalton, University Place, WA -
          
Comment | 04/19/04 | 
| Pamela Judson, Lafayette, LA -   
Comment | 04/19/04 | 
| Federation Bank, Washington, IA -   
Comment | 04/19/04 | 
| Denise Giesige, Columbus Grove, OH -   
Comment | 04/19/04 | 
| Traders Bank -   
Comment | 04/19/04 | 
| Lisa Cook, Wenona, IL -   
Comment | 04/19/04 | 
| John Allee, Tipton, MO -  
Comment | 04/19/04 | 
| Linda Holland, Burnet, TX -   
Comment | 04/20/04 | 
| Heather Gillihan, Minot, ND -   
Comment | 04/20/04 | 
| Todd Aman, Lowpoint, IL -   
Comment | 04/20/04 | 
| Claremont Savings Bank -  
Comment | 04/20/04 | 
| Peoples Bank of Commerce -  
Comment | 04/20/04 | 
| Ricky Ray, Boaz, AL -  
Comment | 04/20/04 | 
| Sutton Bank, Attica, OH -   
Comment | 04/20/04 | 
| Dan Coons -  
Comment | 04/20/04 | 
| Patty Arnzen, Sauk Centre, MN -   
Comment | 04/20/04 | 
| Tim McConville, Mendota, IL -   
Comment | 04/20/04 | 
| Christy Fry, German Valley, IL -  
Comment | 04/20/04 | 
| Oceanside Bank, Jacksonville Beach, FL -
          
Comment | 04/20/04 | 
| Thomas Marti, Wisconsin Rapids, WI -   
Comment | 04/20/04 | 
| Gary Johnson, German Valley, IL -  
Comment | 04/20/04 | 
| Denise Becker, German Valley, IL -   
Comment | 04/20/04 | 
| John McCallister, Hotchkiss, CO -   
Comment | 04/20/04 | 
| Rebecca Greer, Boaz, AL -   
Comment | 04/20/04 | 
| Leslie Schnell, Farmington, NM -   
Comment | 04/20/04 | 
| Carol Serfling, Adrian, MN -   
Comment | 04/20/04 | 
| Don Grassia, McCook, NE -  
Comment | 04/20/04 | 
| Community Reinvestment Association of North 
        Carolina, Durham, NC -   
Comment | 04/20/04 | 
| Neal Terrell, Boaz, AL -   
Comment | 04/20/04 | 
| Leigh Johnson, Boaz, AL -   
Comment | 04/20/04 | 
| Janet Odell, Boaz, AL -   
Comment | 04/20/04 | 
| Joe Wooten, Boaz, AL -  
Comment | 04/20/04 | 
| Paul Hackett, Carthage, TN -   
Comment | 04/20/04 | 
| Johnny Law, Carthage, TN -  
Comment | 04/20/04 | 
| Deborah R. Upshaw, Rossville, GA -  
Comment | 04/20/04 | 
| Ralph W. Cumbee, Dade City, FL -   
Comment | 04/20/04 | 
| Vicki Wurster, Elizabeth, IL -   
Comment | 04/20/04 | 
| Jack A. Hartings, Coldwater, OH -  
Comment | 04/20/04 | 
| Craig L. Larson, Bismarck, ND -   
Comment | 04/20/04 | 
| Dewayne H. Wilmore, Carthage, TN -   
Comment | 04/20/04 | 
| Kathy Orr, Fort Walton Beach, FL -   
Comment | 04/20/04 | 
| Lori Kirkus, Snohomish, WA -   
Comment | 04/20/04 | 
| Ronald C. Cascaes, Chandler, AZ -  
Comment | 04/20/04 | 
| Travis Loock, Minot, SD -   
Comment | 04/20/04 | 
| Walter G Birdwell, Jr., Carthage, TN 
        -  
Comment | 04/20/04 | 
| Linda Kelley, Jasper, TX -   
Comment | 04/20/04 | 
| Tim Treml -  
Comment | 04/20/04 | 
| First State Bank, Mesquite, TX -   
Comment | 04/20/04 | 
| State Bank & Trust of Seguin, Seguin, TX -
          
Comment | 04/20/04 | 
| State Bank of Chandler, Chandler, MN -
          
Comment | 04/20/04 | 
| Welch State Bank, Welch, OK -   
Comment | 04/20/04 | 
| Independent Bankers Association of Texas -
          
Comment | 04/20/04 | 
| Wanda J. Anderson, Greeley, CO -  
Comment | 04/20/04 | 
| David C. Wilson, Scottsdale, AZ -   
Comment | 04/20/04 | 
| Robert T. Leis, Scottsdale, AZ -  
Comment | 04/20/04 | 
| Joanne Lafrance, Scottsdale, AZ -  
Comment | 04/20/04 | 
| Jessica Henderson, Scottsdale, AZ -   
Comment | 04/20/04 | 
| First International Bank and Trust -   
Comment | 04/20/04 | 
| Dennis Walsh, Harvey, ND -   
Comment | 04/20/04 | 
| Dale R. Wilkens, Mesa, AZ -  
Comment | 04/20/04 | 
| Michael W. Johnson, Fairfield, MT -   
Comment | 04/20/04 | 
| Kim Woldstad, Vaughn, MT -   
Comment | 04/20/04 | 
| Michael W. Johnson, Choteau, MT -   
Comment | 04/20/04 | 
| Robert F. Plaetz, Lucan, MN 
        -   
Comment | 04/20/04 | 
| Kerry L. Hoops, Freeport, IL -   
Comment | 04/20/04 | 
| Jackie Menhennick, Marquette, MI -   
Comment | 04/20/04 | 
| Sabrina B. Southworth, Fredericksburg, VA -
          
Comment | 04/20/04 | 
| Farmers State Bank -   
Comment | 04/09/04 | 
| Michaux Nash, Jr. -   
Comment | 04/20/04 | 
| Betty Cooke, Rossville, GA -   
Comment | 04/20/04 | 
| Brenda Pfaff, Colorado Springs, CO -   
Comment | 04/20/04 | 
| Independent Community Bankers of America, Washington, DC -
         Comment | 04/20/04 | 
| Judy Holmgren, Ellendale, ND -
 Comment | 04/20/04 | 
| Gary Brandneburg, Waconia, MN - 
Comment | 04/20/04 | 
| Susann Wudstrack, Marion, WI - 
Comment | 04/20/04 | 
| Barry Fiedler,  Harvey, ND - 
Comment | 04/20/04 | 
| Kim Anderson, Hillsboro, WI - 
Comment | 04/20/04 | 
| Kristina M. Nitz, Harvey, ND -  
Comment | 04/20/04 | 
| Gayle Schmitt, Hurdsfield, ND - 
Comment | 04/20/04 | 
| James Porter, Wilton, ND - 
Comment | 04/20/04 | 
| Cheryl D. Goldade, Harvey, ND -  
Comment | 04/20/04 | 
| Joanne Collier, Moose Lake, MN -  
Comment | 04/20/04 | 
| Bruce L. Lord, Minersville, PA -  
Comment | 04/20/04 | 
| Craig Kalkwarf, Minonk, IL -  
Comment | 04/20/04 | 
| Tina Schilling, Martin, ND - 
Comment | 04/20/04 | 
| James Moen, Minot, ND - 
Comment | 04/20/04 | 
| Heather A. Mayer, Harvey, ND - 
Comment | 04/20/04 | 
| Cynthia P. Ledford, Cordele, GA -
Comment | 04/20/04 | 
| Rondi Deaver, Minot, ND -
Comment | 04/20/04 | 
| Paul C. Adamski, Stevens Point, WI, -
Comment | 04/20/04 | 
| Dave Luebbers -
Comment | 04/20/04 | 
| Meramec Valley Bank, Ellisville, MO - 
Comment | 04/20/04 | 
| D. Duane Grubb, Wilton, ND -
Comment | 04/20/04 | 
| Karen Engle, Velva, ND -
Comment | 04/20/04 | 
| Lara Schuh, Harvey, ND -
Comment | 04/20/04 | 
| Greers Ferry Lake State Bank, Heber Springs, 
        AR -
Comment | 04/20/04 | 
| Shane Best, Longview, TX -
Comment | 04/20/04 | 
| Dallas National Bank, Dallas, TX -
Comment | 04/20/04 | 
| Glendon Olson, Williston, ND -
Comment | 04/20/04 | 
| Dennis Schock, Fargo, ND - 
Comment | 04/20/04 | 
| Carol Harrison, Pelham, GA -
Comment | 04/20/04 | 
| Lynn Kopicz, Fleetwood, PA -
        Comment | 04/20/04 | 
| Thomas E. Walker, Forest, MS -
        Comment | 04/20/04 | 
| Bea Johnson, Harvey, ND -
        Comment | 04/20/04 | 
| Dave Froeber, Fargo, ND -
        Comment | 04/20/04 | 
| Annette Porter, West Fargo, ND -
        Comment | 04/20/04 | 
| Janet Parker, Bowling Green, VA -
Comment | 04/20/04 | 
| Missouri Independent Bankers Association -
        
Comment | 04/20/04 | 
| Harvey L. Jarmon, Ladysmith, VA - 
Comment | 04/20/04 | 
| Traci Ketterling, Fargo, ND -
Comment | 04/20/04 | 
| Cory Thompson, Fargo, ND -
Comment | 04/20/04 | 
| Julia Paul, Creston, IA - 
Comment | 04/20/04 | 
| Debra Marshall, Tempe, AZ - 
Comment | 04/20/04 | 
| Melissa Van Dyke, Scottsdale, AZ -
Comment | 04/20/04 | 
| Kevin G. Sebade, Lindsay, TX -
Comment | 04/20/04 | 
| Greater Rochester Community Reinvestment 
        Coalition, Rochester, NY - 
Comment | 04/20/04 | 
| John Savoy, Eunice, LA - 
Comment | 04/20/04 | 
| Terry Phillips, Thomasville, AL - 
Comment | 04/20/04 | 
| Terri Edmonds, Minot, ND - 
Comment | 04/20/04 | 
| Dennis Pederson, Williston, ND -
Comment | 04/20/04 | 
| Deb Helstedt, Minot, ND -
Comment | 04/20/04 | 
| American State Bank, Sioux Center, IA - Comment | 04/20/04 | 
| Lindsay McLees, Minot, ND -
Comment | 04/20/04 | 
| Kim Heil, Minot, ND -
Comment | 04/20/04 | 
| Luxemburg Bancshares - 
Comment | 04/20/04 | 
| Mark Blazek, Valparaiso, NE - 
Comment | 04/20/04 | 
| Mindy R. Wagenman, Minot, ND -
Comment | 04/20/04 | 
| Jeff Patience, Alexandria, MN -
Comment | 04/20/04 | 
| Debbie Husebye, Minot, ND -
Comment | 04/20/04 | 
| Jasmine Lopez, Phoenix, AZ -
Comment | 04/20/04 | 
| Sheila R. Durst, Washburn, IL -
Comment | 04/20/04 | 
| Lynn Meuchel, Williston, ND - 
Comment | 04/20/04 | 
| National Exchange Bank & Trust, Fond du Lac, 
        WI - 
Comment | 04/20/04 | 
| Susan J. Vachal, Williston, ND -
Comment | 04/20/04 | 
| Fadia Audisho, Glendale, AZ -
Comment | 04/20/04 | 
| Community Bank of Northern Virginia -
Comment | 04/20/04 | 
| Kent M. Franzen, Trenton, NE -
Comment | 04/20/04 | 
| Enterprise Bank & Trust, St. Louis, MO
        -
        Comment | 04/20/04 | 
| Rueben Weigelt, Fessenden, ND - 
Comment | 04/20/04 | 
| Richard Donovan, Stoneham, MA -
Comment | 04/20/04 | 
| James Snyder, Thief River Falls, MN -
Comment | 04/20/04 | 
| Kim Heldstedt, Minot. ND - 
Comment | 04/20/04 | 
| David Cherry, Scottsdale, AZ - 
Comment | 04/20/04 | 
| Heritage Bank, Louisville, CO -
Comment | 04/20/04 | 
| Scott McBride, Buffalo, WY -
Comment | 04/20/04 | 
| Shirley Nickelson, Minot, ND -
Comment | 04/20/04 | 
| Doug Voll, Watford City, ND -
Comment | 04/20/04 | 
| Jim Dunkel, Briarwood, ND -
Comment | 04/20/04 | 
| German American State Bank, German Valley, 
        IL, Robert Borneman -
Comment | 04/20/04 | 
| Bruce D. Diercks, Keokuk, IA -
Comment | 04/20/04 | 
| Sharon L. Johnson, Union, IA -
Comment | 04/20/04 | 
| Scott Selko, Mead, NE -
Comment | 04/20/04 | 
| German American State Bank, German Valley, 
        IL, William Jewell -
Comment | 04/20/04 | 
| German American State Bank, German Valley, 
        IL, Jim Sacia -
Comment | 04/20/04 | 
| German American State Bank, German Valley, 
        IL, Richard Weigle -
Comment | 04/20/04 | 
| German American State Bank, German Valley, 
        IL, Jack Janssen -
Comment | 04/20/04 | 
| Betty Weber, Alexander, ND - 
Comment | 04/20/04 | 
| Sheila Schauer, Farmington, NM -
Comment | 04/20/04 | 
| Kelly Peterson, Watford City, ND -
        Comment | 04/20/04 | 
| Jeannene Walterscheid, Muenster, TX -
Comment | 04/20/04 | 
| Daniel Haskins, Williston, ND -
Comment | 04/20/04 | 
| Virginia Bankers Association - 
Comment | 04/20/04 | 
| Erin Thingvold, Minot, ND -
Comment | 04/20/04 | 
| Kem Lackey, Pleasant Plains, AR -
Comment | 04/20/04 | 
| Jeanne Neel, Mesa, AZ -
Comment | 04/20/04 | 
| Linda Shafer, Mesa, AZ -
Comment | 04/20/04 | 
| Farmers & Commercial Bank -
Comment | 04/20/04 | 
| Lynett Boynton, Mesa, AZ -
Comment | 04/20/04 | 
| Yvonne Peterson, Mesa, AZ -
Comment | 04/20/04 | 
| Cary Anderson, Wilton, ND -
Comment | 04/20/04 | 
| Sevier County Bank - 
        Comment | 04/20/04 | 
| Carl Axness, Blair, WI -
        Comment | 04/20/04 | 
| MainSource Financial Group - 
        Comment | 04/20/04 | 
| Cynthia Mendez, Mesa, AZ - 
        Comment | 04/20/04 | 
| Heather Hoerer, Fargo, ND - 
        Comment | 04/20/04 | 
| Linda Schander, Fargo, ND -
        Comment | 04/20/04 | 
| First State Bank, Mesquite, TX - 
        Comment | 04/20/04 | 
| Muenster State Bank -
        Comment | 04/20/04 | 
| Wisconsin Bankers Association -
        Comment | 04/20/04 | 
| James M. Goetz, Center, ND -
        Comment | 04/20/04 | 
| Scott Selzler, Fargo, ND -
        Comment | 04/20/04 | 
| Oak Hill Banks, Mason, OH -
        Comment | 04/20/04 | 
| Farmers & Commercial Bank, Holden, MO -
        
        Comment | 04/20/04 | 
| Michael P. Smith - 
        Comment | 04/20/04 | 
| National Consumer Law Center, Washington, DC - 
Comment (PDF) | 04/20/04 | 
| Wanda Eisenhuth, Kenyon, MN -
        Comment | 04/20/04 | 
| Jason Merck, Minot, ND - 
        Comment | 04/20/04 | 
| North Dakota Bankers Association, Bismarck, 
        ND - 
        Comment | 04/20/04 | 
| Chris Carothers, Winfield, AL -
        Comment | 04/20/04 | 
| Tamra Trull, Winfield, AL -
        Comment | 04/20/04 | 
| Phillip Howard, Winfield, AL -
        Comment | 04/20/04 | 
| Becky Carothers, Winfield, AL -
        Comment | 04/20/04 | 
| Robert Carothers, Winfield, AL - 
        Comment | 04/20/04 | 
| Charolette Box, Winfield, AL -
        Comment | 04/20/04 | 
| Martha Miles, Winfield, AL -
        Comment | 04/20/04 | 
| Dennis McCollum,
        Winfield, AL -
        Comment | 04/20/04 | 
| Hayes MaGahey, Winfield, AL -
        Comment | 04/20/04 | 
| Charles Ruyle, Springfield, MO -
        Comment | 04/20/04 | 
| Dale L. Leighty, Las Animas, CO - 
        Comment | 04/20/04 | 
| Financial Services Roundtable -
        Comment | 04/20/04 | 
| Marvin Schlegel, La Junta, CO -
        Comment | 04/20/04 | 
| Garrett Godfrey, Las Animas, CO -
        Comment | 04/20/04 | 
| Tina Eck, Las Animas, CO -
        Comment | 04/20/04 | 
| Bryan Simmons, Las Animas, CO - 
        Comment | 04/20/04 | 
| Scott Larsen, La Junta, CO -
        Comment | 04/20/04 | 
| Robert Valdez, La Junta, CO -
        Comment | 04/20/04 | 
| A. J. King -
        Comment | 04/20/04 | 
| Consumer Bankers Association - Comment 
        (PDF) | 04/20/04 | 
| Sevier County Bank - 
        Comment | 04/20/04 | 
| Iowa State Bank & Trust Co., Iowa City, IA -
        Comment | 04/20/04 | 
| Hazel Jackson, Farmington, NM -
        Comment | 04/20/04 | 
| Bradley Robson, Belmond, IA -
        Comment | 04/20/04 | 
| Nevada State Bank, Las Vegas, NV -
        Comment | 04/20/04 | 
| Stephanie Rotchstein, Mesa, AZ - 
        Comment | 04/20/04 | 
| Connie Clements, Elk City, OK - 
        Comment | 04/20/04 | 
| Bonnie C. Foster, Houlton, ME
-
        Comment | 04/20/04 | 
| Eric Stewart, Dwight, IL -
        Comment | 04/20/04 | 
| Cheryl Marzolf - 
        Comment | 04/20/04 | 
| Wayne O. Farrah, Rockingham, NC - 
        Comment | 04/20/04 | 
| Karleen Houle, Minot, ND - 
        Comment | 04/20/04 | 
| Vickie Beschorner, Washburn, IL -
        Comment | 04/20/04 | 
| Donna Ramsey, Farmington, NM - 
        Comment | 04/20/04 | 
| William W. Watson, St. Joseph, LA - 
        Comment | 04/20/04 | 
| Mary Jo Ceniti, Mineral Point, WI - 
        Comment | 04/20/04 | 
| Christine A. Schmitt, Spring Bay, IL -
        Comment | 04/20/04 | 
| Irene Creswell, Hammon, OK - 
        Comment | 04/20/04 | 
| Gilmer J. Capps, Snyder, OK - 
        Comment | 04/20/04 | 
| Tom Mottern, Tazewell, TN - 
        Comment | 04/20/04 | 
| Nancy Whittaker, Scottsdale, AZ -
        Comment | 04/20/04 | 
| Karan LeMoine, Jacksonville, FL -
        Comment | 04/20/04 | 
| Mark J. Friedt, Harvey, ND -
        Comment | 04/20/04 | 
| Lisa Buchweitz, Langdon, ND -
        Comment | 04/20/04 | 
| Larry West, Toulon, IL - 
        Comment | 04/20/04 | 
| Sallye Long, Burnet, TX -
        Comment | 04/20/04 | 
| James F. Lear, Choteau, MT -
        Comment | 04/20/04 | 
| Kristie Olsen, Pocatello, ID -
        Comment | 04/20/04 | 
| Warren A. Jennings, DeWitt, AR -
        Comment | 04/20/04 | 
| Citizens Bank, Tucumcari, NM, J.R. Nunn - Comment 
        (PDF) | 04/20/04 | 
| Citizens Bank, Tucumcari, NM, Liz Adcock - Comment 
        (PDF) | 04/20/04 | 
| State Bank of Cross Plains, Cross Plains, WI 
        - Comment 
        (PDF) | 04/16/04 | 
| Citizens State Bank of Taylor County, 
        Reynolds, GA - Comment 
        (PDF) | 04/14/04 | 
| Citizens Exchange Bank, Pearson, GA - Comment 
        (PDF) | 04/21/04 | 
| Land of Lincoln Legal Assistance Foundation, East St. Louis, IL - Comment 
        (PDF) | 04/20/04 | 
| Center for Responsible Lending - Comment 
        (PDF) | 04/20/04 | 
| New Jersey League of Community Bankers, 
        Cranford, NJ - Comment 
        (PDF) | 04/20/04 | 
| American Bankers Association, Washington, DC 
        - Comment 
        (PDF) | 04/20/04 | 
| Helena National Bank, Helena, AR - Comment 
        (PDF) | 04/30/04 | 
| Irwin Financial Corporation, San Ramon, CA 
        -
        
        Comment | 04/23/04 | 
| Cynthia Sterett, Louisville, CO - 
        Comment | 04/23/04 | 
| First State Bank, Joplin, MO - Comment 
        (PDF) | 04/21/04 | 
| Gary Kuter, Middleton, WI - 
        Comment | 04/21/04 | 
| Mikkalya Murray, Harleysville, PA - 
        Comment | 04/21/04 | 
| Robert C. Fricke, Ashland, NE -
        Comment | 04/21/04 | 
| Jerry Gore, Fairfield, OH - 
        Comment | 04/22/04 | 
| Charlotte M. Hiller, Chicopee, MA - 
        Comment | 04/22/04 | 
| Savings Bank - 
        Comment | 04/19/04 | 
| Olmsted National Bank, Rochester, MN -
        
        Comment | 04/19/04 | 
| Steven B. Mangskau - 
        Comment | 04/21/04 | 
| Sheri Wagner, Minot, ND -
        Comment | 04/21/04 | 
| Michelle Gross, Minot, ND - 
        Comment | 04/21/04 | 
| Phillip Howard - 
        Comment | 04/06/04 | 
| Jay Randall - 
        Comment | 03/26/04 | 
| Lee County Bank & Trust NA, Fort Madison, IA 
        - 
        Comment | 04/06/04 | 
| Farmers State Bank, Marion, IA - 
        
        Comment | 04/06/04 | 
| Citizens State Bank of Loyal, Loyal, WI -
        
        Comment | 04/16/04 | 
| Security First Bank of North Dakota - 
        Comment | 04/07/04 | 
| Citizens Bank, Tucumcari, NM - 
        Comment | 04/22/04 | 
| Rockville Bank, South Windsor, CT -
        Comment | 04/19/04 | 
| Lake Elmo Bank -
        Comment | 04/28/04 | 
| Peoples Bank, Mendenhall, MS -
        Comment | 04/20/04 | 
| Commercial State Bank, Republican City, NE -
        
        Comment | 04/22/04 | 
| Baileyville State Bank, Seneca, KS - 
        Comment | 04/30/04 | 
| Watonga State Bank, Watonga, OK - 
        Comment | 04/30/04 | 
| Owen County State Bank, Spencer, IN - 
        Comment | 04/14/04 | 
| Bruning State Bank, Bruning, NE, Craig Pope - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Sarah 
        Miller - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Jane Germer - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Fred D. 
        Bruning - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Jeff Hammer - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Darlene 
        Reinsch - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Stephen 
        Hoff - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Darrell E. 
        Raum - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Larry Olson - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Cheryl 
        Houser - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Fred Kobza - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Frank L. 
        Bruning - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Pam Lemke - 
        Comment | 04/19/04 | 
| Bruning State Bank, Bruning, NE, Jerry 
        Catlett - 
        Comment | 04/19/04 | 
| Farmers State Bank, Mountain City, TN -
        
        Comment | 04/16/04 | 
| Cathy Jacobson, Devils Lake, ND - 
        Comment | 04/07/04 | 
| Donna Sanders, Macon, GA -
        Comment | 04/07/04 | 
| First Central Bank McCook, N.A. - 
        Comment | 04/07/04 | 
| Geraldine Reed, Fairmont, NE - 
        Comment | 04/07/04 | 
| Linda Campbell, Fairmont, NE - 
        Comment | 04/07/04 | 
| John Myles, Snohomish, WA - 
        Comment | 04/07/04 | 
| Walker Jordan, Macon, GA - 
        Comment | 04/07/04 | 
| Wendell Rensink, Pelican Rapids, MN - 
        Comment | 04/07/04 | 
| Hariett Wood, Aiken, SC - 
        Comment | 04/07/04 | 
| Jerome Parrish, Generva, AL - 
        Comment | 04/07/04 | 
| Cathy McKay - 
        Comment | 03/30/04 | 
| Michigan Bankers Association, Lansing, MI -
        
        Comment | 03/30/04 | 
| Greers Ferry Lake State Bank, Clinton, AR -
        
        Comment | 04/07/04 | 
| First United Bank & Trust, Oakland, MD -
        
        Comment | 04/26/04 | 
| Gerri Hansen, Shiocton, WI - 
        Comment | 04/27/04 | 
| Portales National Bank, Portales, NM -
        
Comment 
        (PDF) | 04/26/04 | 
| Pennsylvania Bankers Association - 
Comment 
        (PDF) | 05/04/04 | 
| Baker, Donelson, Bearman, Caldwell & 
        Berkowitz, PC, Nashville, TN -
        Comment 
        (PDF) | 04/29/04 | 
| Legacy Bank - 
        
        Comment | 03/30/04 | 
| First State Bank, Sarasota, FL - 
        Comment 
        (PDF) | 04/29/04 | 
| Terry Canady, Boaz, AL - 
        Comment | 04/29/04 | 
| Rovine Thrasher, Boaz, AL -
        
        Comment | 04/29/04 | 
| Peoples Bank & Trust Company, Tupelo,  
        MS -
        
        Comment | 04/29/04 | 
| Citizens State Bank, Sealy, TX -
        
        Comment | 04/29/04 | 
| Shore Community Bank, Toms River, NJ, 
        Theodore Bessler -
        Comment | 04/29/04 | 
| Shore Community Bank, Toms River, NJ, Robert 
        Rowe - 
        Comment | 04/29/04 | 
| Massachusetts Bankers Association - 
        Comment 
        (PDF) | 04/29/04 | 
| Gordon Schlicke, Seattle, WA - 
        Comment 
        (PDF) | 04/29/04 | 
| Shirley V. Alen, Elko, NV - 
        Comment | 04/19/04 | 
| Mark Schroeder, Jasper, IN - 
        Comment | 04/19/04 | 
| Colony Bancorp - 
        Comment | 04/19/04 | 
| Anna Mae Gugliotto - 
        Comment | 06/10/04 | 
| Thayer County Bank, Hebron, NE - 
        Comment | 06/23/04 | 
| Peoples Bank, The, Medicine Lodge, KS - 
        
        Comment | 07/15/04 | 
| John A. Berkley, Stockton, 
        KS - 
Comment | 07/15/04 |