Federal Deposit
Insurance Corporation

From: mary q. chapin [mailto:echapin@borg.com]
Sent: Wednesday, October 20, 2004 10:17 AM
To: Comments
Subject: Community Reinvestment -- RIN 3064-AC50

Gentlemen: regarding the FDIC proposal, it is especially important that banks like the Bank of Utica, Oneida Savings Bank and SBU Municipal Bank be considered small banks under the proposed new definition and thus be exempt from CRA rules. This area is very depressed and it is vitally important to maintain and expand bank involvement in our communities to help this area rebound and expand. Without such assistance, future entrepreneurs would be discouraged, money would not be available for big items like houses, etc. and our area needs assistance. We are bravely trying to maintain. It would help us enormously if the Community Reinvestment Act is preserved. Thank you for your attention to this matter. Sincerely, Mary Q. Chapin
56 Woodbrooke Rd.,New Hartford, New York 13413 315 737 0504