Federal Deposit
Insurance Corporation

From: Carol Croteau [mailto:c.croteau@snet.net]
Sent: Wednesday, October 20, 2004 12:33 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Dear Sirs: I strongly 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 badly needed lending, investments, and services in low-income communities. Non-profit organizations dedicated to the revitalization of poor neighborhoods would lose essential allies in their effort to create affordable housing and provide needed services to stabilize residents. Carol Croteau, Executive Director, Bethsaida Community, Inc., Norwich, CT