Federal Deposit
Insurance Corporation

Essex Savings Bank

From: Lynn Giroux
Sent: Wednesday, April 04, 2007 11:46 AM
To: Comments
Cc: 'Greg Shook'
Subject: Expanded Examination Cycle

As Compliance Officer for a financial institution that is approaching $250,000,000 in asset size, I fully support the change to 18 months for those institutions with CAMEL ratings of 1 or 2.  It is clear that for institutions with these strong ratings, appropriate due diligence is being conducted on an on-going basis thus warranting an expanded cycle between examinations.

Lynn K. Giroux
SVP - Chief Administrative Officer
Essex Savings Bank
Essex, CT  06426