Federal Deposit
Insurance Corporation

From: Oos, Bryan (Winchester Homes, Inc.) [mailto:Bryan.Oos@whihomes.com]
Sent: Wednesday, October 13, 2004 6:09 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. This policy would reduce lending, investments and services in low-income communities.

Bryan E. Oos
Land Acquisition Manager
Winchester Homes, Inc.

6905 Rockledge Drive, Suite 800
Bethesda, MD 20817
Phone (301) 803-4809
Fax (301) 803-4929