Federal Deposit
Insurance Corporation

From: Randall Benston [mailto:randallbenston@yahoo.com]
Sent: Wednesday, October 13, 2004 10:48 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I oppose the FDIC's proposal to allow banks with assets above $250 million to be examined as small banks under the Community Reinvestment Act.

I started and ran a small bank, and I had my issues with the way CRA examiners seemed to either lack common sense or not be allowed to use it. But to make this proposed change will reduce the help banks now offer disadvantaged communities.

Sincerely,

Randall C. Benston
Founder and CEO of the former Gateway American Bank of Florida

Randall Craig Benston
404-964-5458
Randall@FundingForAll.com