Federal Deposit
Insurance Corporation

From: SENDORG@aol.com [mailto:SENDORG@aol.com]
Sent: Thursday, October 14, 2004 3:16 PM
To: Comments
Subject: Community Reinvestment

Dear Sirs,

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.

We are a community based, non profit corporation in Elyria, Ohio. We believe this will hinder the efforts we are making in redeveloping our low income community.

Thank you,

Chris Baker
Director, SEND
1821 Middle Avenue
Elyria, Ohio 44035
Phone 440-284-0041