Federal Deposit
Insurance Corporation

From: Dshenkel@aol.com [mailto:Dshenkel@aol.com]
Sent: Sunday, October 17, 2004 5:48 AM
To: Comments
Subject: EGRPRA Burden Reduction

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.

Dr. D.S. Henkel
3 Cerrado Drive
Santa Fe, NM 87508