Federal Deposit
Insurance Corporation

From: MENTAL HEALTH ASSC [mailto:mentalhealthassc@sbcglobal.net]
Sent: Wednesday, October 20, 2004 1:17 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50064-AC50

To Whom It May Concern:

I oppose chnges in the existing FDIC regulations and favor a system that allows for an array of bank services in all communities. I am concerned that lifting the ceiling on assets that could be examined might have a negative impact on the communities in which some of the smaller institutions are located.

Patricia Palmer
Danbury, CT