Federal Deposit
Insurance Corporation

From: Barnhart357@aol.com [mailto:Barnhart357@aol.com]
Sent: Wednesday, October 13, 2004 11:34 PM
To: Comments
Subject: CRA

I oppose any increase to the change of classification to small banks. The proposed FDIC rule would exempt many of our communities critical from the productive requirements currently in place.

I urge the FDIC to withdraw its proposed rule.

Thank you,

Byron J. Barnhart