Federal Deposit
Insurance Corporation

From: Sharlene Woodruff [mailto:Sharlene@hdcweb.com]
Sent: Wednesday, October 20, 2004 12:43 PM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

I highly oppose the CRA reduction for banking institutions. This would greatly affect the number of institutions that would be making an investment in the communities that they serve. This has been a great program and any cuts would severally limit the program.

Sharlene L. Woodruff
Controller
Housing Development Corporation
Phone (717) 509-8025
Fax (717) 291-0987