From: Rhaymaker@aol.com [mailto:Rhaymaker@aol.com]
Sent: Monday, October 18, 2004 5:57 PM
To: Comments
Cc: Rhaymaker@aol.com
Subject: RIN 3064-AC50

Robert Feldman
Exec. Sec.
Attn: Comments/Legal ISS
FDIC

Re: RIN 3064-AC50

Dear Mr. Feldman

I am very much opposed to the proposed change in the Community Reinvestmant Act regulations. I believe that changing the CRA will undermine rural communities. I travel
across the country and see how small towns have suffered. They are dying. Please
do not contribute further by adopting this rule.

Sincerely,
Richard Haymaker
254 Nelson Drive
Baton Rouge, LA