Federal Deposit
Insurance Corporation

The Bank, Oberlin, KS

From: Gary Walter 
Sent: Friday, May 19, 2006 3:41 PM
To: Comments
Subject: RIN 3064-AD08

Dear Sir or Madam,
My comment is that the purchase of branches should be included in the term 
"successor" and that deposits obtained from the purchase of branches should 
be included in the calculation of the credit.  The CPA for The Bank agrees.

Thank you,
Gary J. Walter, President
The Bank, PO Box 148, Oberlin, KS  67749