Federal Deposit
Insurance Corporation

From: Judy Reed [mailto:jreed@wcra.net]
Sent: Thursday, October 14, 2004 2:21 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I do not support raising the small bank classification for CRA purposes to $1Billion. Having been a banker for many, many years, I know that without CRA enforcement low income and rural communities will not get the same level of investment that affluent communities receive.
Judy Reed