Federal Deposit
Insurance Corporation

From: Dee Danmeyer [mailto:director@frederickhabitat.org]
Sent: Thursday, October 14, 2004 10:17 AM
To: Comments
Subject: SPAM::CRA

Dear Sir/Madam -

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.

No matter how many gifts you receive.....the greatest gift is still the act of giving!

Dee Danmeyer
Executive Director
Habitat for Humanity of Frederick County, MD
4 E. Church Street
Frederick, MD 21701
(301) 698-2449