Federal Deposit
Insurance Corporation

From: Russ & Dorie [mailto:r.schmunk@comcast.net]
Sent: Saturday, October 16, 2004 6:24 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I am writing to oppose the proposal to allow banks with assets exceeding $250 million to be examined as "small banks," for purposes of the Community Reinvestment Act. This change would significantly reduce the credit and services available to low-income communities.

Russ Schmunk
2230 Hooke Way
Sacramento, CA 95822