Federal Deposit
Insurance Corporation

From: Daryn Edwards [mailto:dedwards@cicadaarchitecture.com]
Sent: Wednesday, October 13, 2004 4:26 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.

Sincerely,

daryn edwards
CICADA Architecture/Planning Inc.
40 West Evergreen Ave, Suite 104
Philadelphia PA 19118