| 
Submitted By | 
Date Received | 
| 01. Scott 
        Valley Bank, Walnut Creek, CA - 
Comment | 08/17/04 | 
| 02. Herbert J. 
        Rubin, DeKalb, IL - 
Comment | 08/20/04 | 
| 03. Worth 
        National Bank, Lake Worth, TX - 
Comment | 08/20/04 | 
| 04. 
        Kentucky Association for Community Action - 
Comment | 08/20/04 | 
| 05. 
        Brazos Valley Affordable Housing Corporation - 
Comment | 08/20/04 | 
| 06. 
       Neighborhood Housing Services of New Orleans - 
Comment | 08/20/04 | 
| 07. 
       W.O.R.K.S., Los Angeles, CA - 
Comment | 08/20/04 | 
| 08. 
     Housing Authority of the City Santa Barbara, Santa Barbara, CA - 
Comment | 08/20/04 | 
| 09. 
     Eden Housing, Inc. - 
Comment | 08/20/04 | 
| 10. 
     Michigan Community Reinvestment Coalition, Lansing, MI -
        Comment | 08/23/04 | 
| 11. Nazareth Housing Services, Pittsburgh, PA -  
Comment | 08/23/04 | 
| 12. Housing Association of Delaware Valley, Philadelphia, PA -  
Comment | 08/23/04 | 
| 13. Andover Bank, Andover, OH -  
Comment | 08/23/04 | 
| 14. Worcester Communities of Care, Worcester, MA -  
Comment | 08/23/04 | 
| 15. South Westerly Tenants Council -  
Comment | 08/23/04 | 
| 16. Burbank Housing Development Corporation -  
Comment | 08/23/04 | 
| 17. Society of Jesus, N.Y. Province -  
Comment | 08/23/04 | 
| 18. Lead Safe, LLC -  
Comment | 08/23/04 | 
| 19. Richard Rabin, Arlington, MA -  
Comment | 08/23/04 | 
| 20. Robert Bertsch, Cleveland, OH -  
Comment | 08/23/04 | 
| 21. Melissa Rudnick, Minneapolis, MN -  
Comment | 08/23/04 | 
| 22. Homes of Hope -  
Comment | 08/23/04 | 
| 23. American State Bank, Jonesboro, AR -  
Comment | 08/23/04 | 
| 24. Les Croughan -
        Comment | 08/23/04 | 
| 25. Martha Solish -
        Comment | 08/24/04 | 
| 26. Sandra L. Lawson, Springfield, MA -
        Comment | 08/24/04 | 
| 27. M C Bank & Trust, Morgan City, LA -
        Comment | 08/24/04 | 
| 28. Southwest Bank, Ft. Worth, TX -
        Comment; 
        
        Additional Comment | 08/24/04 | 
| 29. Roberta Longfellow, Montgomery 
     County, OH -
        Comment | 08/24/04 | 
| 30. Brophy & Reilly, LLC, Columbia, MD -
        Comment | 08/24/04 | 
| 31. Premier Bank -
        Comment | 08/24/04 | 
| 32. First City Bank - 
Comment | 08/24/04 | 
| 33. Recapitalization Advisors, Boston, MA - 
Comment | 08/24/04 | 
| 34. David Pels, Newington, CT - 
Comment | 08/24/04 | 
| 35. J. Wallace Oman, San Francisco, CA - 
Comment | 08/24/04 | 
| 36. Cleveland Neighborhood Development Coalition - 
Comment | 08/24/04 | 
| 37. California Housing Partnership Corp, San Francisco, CA  - 
Comment | 08/24/04 | 
| 38. Coachella Valley Housing Coalition  - 
Comment | 08/24/04 | 
| 39. Robert E. Roberson,  Okawville, IL - 
Comment | 08/24/04 | 
| 40. Greensboro Housing Coalition, Greensboro, NC - 
Comment | 08/24/04 | 
| 41. CityBank, Lynnwood, Washington, Conrad Hanson - 
Comment | 08/24/04 | 
| 42. Darielle Dannen, St. Paul, MN - 
Comment | 08/24/04 | 
| 43. CityBank, Lynnwood, Washington, Dan Coppin - 
Comment | 08/24/04 | 
| 44. David K. Greer - 
Comment | 08/24/04 | 
| 45. Mara Pentlarge - 
Comment | 08/24/04 | 
| 46. Capital City Bank Group, Tallahassee, FL - 
Comment | 08/24/04 | 
| 47. Rural Opportunities, Inc., Lee 
     Beaulac
     - 
Comment | 08/24/04 | 
| 48. Marisa Novara - 
Comment | 08/24/04 | 
| 49. Kathleen Kovacs - 
Comment | 08/24/04 | 
| 50. Garrett County Community Action Committee - 
Comment | 08/25/04 | 
| 51. Rural Opportunities, Inc., John Wiltse - 
Comment | 08/25/04 | 
| 52. Alabama Multifamily Loan Consortium - 
Comment | 08/25/04 | 
| 53. Sandra Kerr, Alexandria, VA - 
Comment | 08/25/04 | 
| 54. Marian Harris - 
Comment | 08/25/04 | 
| 55. Statewide Housing Action Coalition, Chicago, IL - 
Comment | 08/25/04 | 
| 56. PlantersFIRST, Cordele, GA - Comment | 08/16/04 | 
| 57. Cathy McKay - Comment | 08/16/04 | 
| 58. Herb Kohl and Russell D. Feingold, United States Senate
     - Comment | 07/28/04 | 
| 59. Fishback Financial Corporation - Comment | 07/26/04 | 
| 60. ShoreBank, Chicago, IL - Comment | 08/18/04 | 
| 61. Brian E. Boggia - 
Comment | 08/26/04 | 
| 62. Capital Access, Philadelphia, PA - 
Comment | 08/26/04 | 
| 63. Minnesota Bankers Association - 
Comment | 08/26/04 | 
| 64. Charles Hill & Associates, Chicago, IL - 
Comment | 08/26/04 | 
| 65. Minotola National Bank, Vineland, NJ - 
Comment | 08/26/04 | 
| 66. Community Housing, Winchester, KY - 
Comment | 08/26/04 | 
| 67. Scott County Housing Council, Davenport, IA - 
Comment | 08/26/04 | 
| 68. Jesuits of the Detroit Province - 
Comment | 08/26/04 | 
| 69. Non-Profit Housing Association of Northern California - 
Comment | 08/26/04 | 
| 70. Unidos Para La Gente - 
Comment | 08/26/04 | 
| 71. The Charter Companies - 
Comment | 08/26/04 | 
| 72. Jeffery Baumgartner - 
Comment | 08/26/04 | 
| 73. Community Housing Initiative - 
Comment | 08/26/04 | 
| 74. Security National Bank of Omaha, Omaha, NE - 
Comment | 08/27/04 | 
| 75. Beth Shinn, New York, NY - 
Comment | 08/27/04 | 
| 76. City of Covington, KY - 
Comment | 08/30/04 | 
| 77. The Hopeline, Bronx, NY - 
Comment | 08/30/04 | 
| 78. State Bank of Southern Utah - 
Comment | 08/30/04 | 
| 79. Mercer Alliance to End Homelessness - 
Comment | 08/30/04 | 
| 80. Voices for Alabama's Children - 
Comment | 08/30/04 | 
| 81. Community Development Corporation of Long Island, Centerreach, NY - 
Comment | 08/30/04 | 
| 82. California Community Reinvestment Corporation, Glendale, CA - 
Comment (PDF 118 KB - PDF Help)
 | 08/30/04 | 
| 83. Project HOME - 
Comment | 08/30/04 | 
| 84. Community Bank, Joseph, OR - 
Comment | 08/30/04 | 
| 85. Jim Yacenda - 
Comment | 08/30/04 | 
| 86. Interfaith Housing Alliance - 
Comment | 08/30/04 | 
| 87. OPAL Community Land Trust, Eastsound, WA - 
Comment | 08/31/04 | 
| 88. National Housing Conference, Washington, DC - 
        Comment | 08/31/04 | 
| 89. Good News Mountaineer Garage, Charleston, WV - 
        Comment | 08/31/04 | 
| 90. Burns & Burns, L.C., Iowa City, Iowa - 
        Comment | 08/31/04 | 
| 91. Housing Development Corporation of the Clinch Valley, Oak Ridge, TN - 
        Comment | 08/31/04 | 
| 92. Susan Raphael, Oak Park, IL - 
        Comment | 08/31/04 | 
| 93. East Bay Habitat for Humanity - 
        Comment | 08/31/04 | 
| 94. Napa Valley Community Housing, Napa, CA - 
        Comment | 08/31/04 | 
| 95. Marty Newell - 
        Comment | 08/31/04 | 
| 96. Green Hills Community Action Agency, Trenton, MO - 
        Comment | 08/31/04 | 
| 97. Ronald V. Minionis, Annandale, VA - 
        Comment | 08/31/04 | 
| 98. Texas Bankers Association - 
        Comment | 08/31/04 | 
| 99. Elizabeth Heile - 
        Comment | 08/31/04 | 
| 100. Next Step Housing, Yakima, WA - 
        Comment | 08/31/04 | 
| 101. Rhonda Hue, Seattle, WA - 
        Comment | 08/31/04 | 
| 102. Bill Daehling - 
        Comment | 08/31/04 | 
| 103. Will Kemper - 
        Comment | 08/31/04 | 
| 104. Jon Blair Hunter - 
        Comment | 08/31/04 | 
| 105. Community Trust Bank, Ruston, LA - 
        Comment | 08/31/04 | 
| 106. Jan Harry, Alliance, OH - 
        Comment | 08/31/04 | 
| 107. First National Bank in Sioux Falls, Sioux Falls, SD - 
        Comment | 08/31/04 | 
| 108. Whatcom-Skagit Housing, Bellingham, WA - 
        Comment | 08/31/04 | 
| 109. Community Trust Bank, Moroe, LA - 
        Comment | 08/31/04 | 
| 110. Janice M. Simmons, Jonesboro, LA - 
        Comment | 08/31/04 | 
| 111. Rural Community Assistance Corp, Port Orford, OR - 
        Comment | 09/02/04 | 
| 112. Pioneer Bank & Trust, Belle Fourche, SD - 
        Comment | 09/02/04 | 
| 113. William Henggeler, O'Fallon, IL - 
        Comment | 09/02/04 | 
| 114. San Diego Housing Federation, San Diego, CA - 
        Comment | 09/02/04 | 
| 115. Umatilla County Housing Authority - 
        Comment | 09/02/04 | 
| 116. Local Economic & Employment Development Council, Chicago, IL - 
        Comment | 09/02/04 | 
| 117. Josh Silver and Kathy Bakich, Bethesda, MD - 
        Comment | 09/02/04 | 
| 118. William Mosley, Washington, DC - 
        Comment | 09/02/04 | 
| 119. Ray Rieckers, Spokane, WA - 
        Comment | 09/02/04 | 
| 120. Farmers National Bank - 
        Comment | 08/26/04 | 
| 121. Yamhill Community Development Corporation, McMinnville, OR - 
        Comment | 09/01/04 | 
| 122. Portland Community Reinvestment Initiatives Inc., Portland, OR - 
        Comment | 09/01/04 | 
| 123. City of Santa Fe, New Mexico, Santa Fe, NM - 
        Comment | 09/01/04 | 
| 124. California Reinvestment Coalition, San Francisco, CA - 
        Comment | 09/01/04 | 
| 125. Minnwest Bank, M.V. - 
        Comment | 09/03/04 | 
| 126. Trailview Development Corporation, Abingdon, VA. - 
        Comment | 09/03/04 | 
| 127. Patricia Hughes Mangis, Wheaton, IL - 
        Comment | 09/01/04 | 
| 128. Michael W. Mangis, Wheaton, IL - 
        Comment | 09/01/04 | 
| 129. Geller Silvis & Associates, Portland, OR - 
        Comment | 09/01/04 | 
| 130. Farmers National Bank - 
        Comment | 09/03/04 | 
| 131. Neighborhood Economic Development Corp,  Eugene, OR - 
        Comment | 09/03/04 | 
| 132. NorthStar Bank, Bad Axe, MI - 
        Comment | 09/03/04 | 
| 133. Bank of Akron, Akron, NY - 
        Comment | 09/03/04 | 
| 134. Alliance for Better Housing, Kennett Square, PA - 
        Comment | 09/03/04 | 
| 135. Community Vision, Inc., Portland, OR - 
        Comment | 09/03/04 | 
| 136. Sevier County Bank, Sevierville, TN, Jeff Axley, - 
        Comment | 09/03/04 | 
| 137. Sevier County Bank, Sevierville, TN, Lori Headrick - 
        Comment | 09/03/04 | 
| 138. Sevier County Bank, Sevierville, TN, Shenda McClure, - 
        Comment | 09/03/04 | 
| 139. Sevier County Bank, Sevierville, TN, Cherie Whaley, - 
        Comment | 09/03/04 | 
| 140. Sevier County Bank, Sevierville, TN, Cecil Lee Ward, - 
        Comment | 09/03/04 | 
| 141. Sevier County Bank, Sevierville, TN, R.B. Susmmitt II, - 
        Comment | 09/03/04 | 
| 142. Claudia Stepehns, Billings, MT - 
        Comment | 09/03/04 | 
| 143. Charles L. Cavanagh - 
        Comment | 09/03/04 | 
| 144. Cashmere Valley Bank - 
        Comment | 09/03/04 | 
| 145. Emprise Bank - 
        Comment | 09/03/04 | 
| 146. Greenlining Institute - 
        Comment | 09/03/04 | 
| 147. First National Bank of Walker - 
        Comment | 09/03/04 | 
| 148. Roots of Mankind - 
        Comment | 09/04/04 | 
| 149. Greater Eastside Community Association - 
        Comment | 09/04/04 | 
| 150. Ray Stranske - 
        Comment | 09/04/04 | 
| 151. Texas Bankers Association - 
        Comment | 09/05/04 | 
| 152. Citizens for Affordable Homes, Inc. - 
        Comment | 09/05/04 | 
| 153. Forrest Avenue Community Center, Inc. - 
        Comment | 09/07/04 | 
| 154. Benny Ruiz, Brooklyn, NY - 
        Comment | 09/07/04 | 
| 155. Dave Loughery - 
        Comment | 09/07/04 | 
| 156. Barron County Habitat for Humanity, Ricke Lake, WI - 
        Comment | 09/07/04 | 
| 157. Abe Schuchman, Silver Spring, MD - 
        Comment | 09/07/04 | 
| 158. John Lukehart, Chicago, IL - 
        Comment | 09/07/04 | 
| 159. Eastern Dakota Housing Alliance, Hillsboro, ND - 
        Comment | 09/07/04 | 
| 160. Newtown Savings Bank - 
        Comment | 09/07/04 | 
| 161. Chris Waldrop - 
        Comment | 09/07/04 | 
| 162. John Frey - 
        Comment | 09/07/04 | 
| 163. Amber McCormick - 
        Comment | 09/07/04 | 
| 164. Evan Maher - 
        Comment | 09/07/04 | 
| 165. Theora Jones - 
        Comment | 09/07/04 | 
| 166. Brad Keller, Washington, DC - 
        Comment | 09/07/04 | 
| 167. Christine Shade - 
        Comment | 09/07/04 | 
| 168. Lois Robertson, Skokie, IL - 
        Comment | 09/07/04 | 
| 169. Margaret Chiovoloni, Chapel Hill, NC - 
        Comment | 09/07/04 | 
| 170. Zada Stein, Bothell, WA - 
        Comment | 09/07/04 | 
| 171. Progressive Redevelopment - 
        Comment | 09/07/04 | 
| 172. Linda M. Maloney, Saint Cloud, MN - 
        Comment | 09/07/04 | 
| 173. Community Investment Corp, Chicago, IL - 
        Comment (PDF) | 09/07/04 | 
| 174. Elizabeth Durack, Madison, WI - 
        Comment | 09/07/04 | 
| 175. Jody Roes - 
        Comment | 09/07/04 | 
| 176. Christopher Dazey, Oswego, OR - 
        Comment | 09/07/04 | 
| 177. Housing and Neighborhood Development Service - 
        Comment | 09/07/04 | 
| 178. Gwen Bedient, Lincoln, NE - 
        Comment | 09/07/04 | 
| 179. Mary E. Ford, Ocean Pines, MD - 
        Comment | 09/07/04 | 
| 180. Hollis Johnson, Tahoma, CA - 
        Comment | 09/07/04 | 
| 181. Robert E. Belknap, Raleigh, NC - 
        Comment | 09/07/04 | 
| 182. Matthew Salenger, Phoenix, AZ - 
        Comment | 09/07/04 | 
| 183. Anonymous - 
        Comment | 09/07/04 | 
| 184. ACCION Chicago - 
        Comment | 09/07/04 | 
| 185. Marcia Lehman, Ambridge, PA - 
         Comment | 09/07/04 | 
| 186. Sharon Dupree - 
         Comment | 09/07/04 | 
| 187. Habitat for Humanity - Southeast, Montgomery, AL - 
         Comment | 09/07/04 | 
| 188. Consumers Union, San Francisco, CA - 
         Comment | 09/07/04 | 
| 189. Dan McNeil - 
         Comment | 09/07/04 | 
| 190. Phillip King - 
         Comment | 09/07/04 | 
| 191. Juana Escobedo Teixeira, Tucker, GA - 
         Comment | 09/07/04 | 
| 192. Julie Hanson Swanson - 
         Comment | 09/07/04 | 
| 193. Eric Banner, Manhattan, KS - 
         Comment | 09/07/04 | 
| 194. Devin Conner, Star, ID - 
         Comment | 09/07/04 | 
| 195. Roger H. Kofler, Milwaukie, OR - 
         Comment | 09/07/04 | 
| 196. Tanna Nicholson - 
         Comment | 09/07/04 | 
| 197. Mountainlands Community Housing Trust, Park City, UT - 
         Comment | 09/07/04 | 
| 198. Charles Rotblut, Centennial, CO - 
         Comment | 09/07/04 | 
| 199. Juan Marchini - 
         Comment | 09/07/04 | 
| 200. Martha Dragovich, Martinez, CA - 
         Comment | 09/07/04 | 
| 201. James A. Brosius, Basking Ridge, NJ - 
         Comment | 09/07/04 | 
| 202. Alita Kiaer - 
         Comment | 09/07/04 | 
| 203. Lower Columbia Community Action Council - 
         Comment | 09/07/04 | 
| 204. Northwest Regional Facilitators - 
         Comment | 09/07/04 | 
| 205. Anonymous - 
         Comment | 09/07/04 | 
| 206. C. J. Livingston - 
         Comment | 09/07/04 | 
| 207. Anonymous  - 
         Comment | 09/07/04 | 
| 208. Anonymous  - 
         Comment | 09/07/04 | 
| 209. Ora Lee Young  - 
         Comment | 09/07/04 | 
| 210. Anne L. Roberts, Batavia, IL  - 
         Comment | 09/07/04 | 
| 211. Andre Boersma  - 
         Comment | 09/07/04 | 
| 212. Elizabeth Letendre, Shreveport, LA  - 
         Comment | 09/07/04 | 
| 213. Laura Harris, Thornton, CO  - 
         Comment | 09/07/04 | 
| 214. Carlisle Spencer, West Windsor, VT  - 
         Comment | 09/07/04 | 
| 215. Jacqueline Thomas  - 
         Comment | 09/08/04 | 
| 216. Thomas Blanton, Granite Falls, N.C.  - 
         Comment | 09/08/04 | 
| 217. Rhonda J. Walters  - 
         Comment | 09/08/04 | 
| 218. Elaine Sanchez, Dallas, TX  - 
         Comment | 09/08/04 | 
| 219. Laurel Dorr  - 
         Comment | 09/08/04 | 
| 220. Steve Bjorklund, Chicago, IL  - 
         Comment | 09/08/04 | 
| 221. Westbank, West Springfield, MA  - 
         Comment | 09/08/04 | 
| 222. Doug Schenkelberg  - 
         Comment | 09/08/04 | 
| 223. Neighborhood Nonprofit Housing Corporation  - 
         Comment | 09/08/04 | 
| 224. First Bank and Trust East Texas, Diboll, TX  - 
         Comment | 09/08/04 | 
| 225. Steven McKenzie  - 
         Comment | 09/08/04 | 
| 226. Northern Circle Indian Housing Authority, Ukiah, CA  - 
         Comment | 09/08/04 | 
| 227. Reliance Savings Bank  - 
         Comment | 09/08/04 | 
| 228. Sustainable Enterprise, New York, NY  - 
         Comment | 09/08/04 | 
| 229. Alan Reynolds, San Francisco, CA  - 
         Comment | 09/08/04 | 
| 230. Carol Lynn Coughlin  - 
         Comment | 09/08/04 | 
| 231. David Van Deusen  - 
         Comment | 09/08/04 | 
| 232. Gayle Fishkin, Antelope, CA  - 
         Comment | 09/08/04 | 
| 233. Cecilia McCambridge  - 
         Comment | 09/08/04 | 
| 234. High Point Bank & Trust Company  - 
         Comment | 09/08/04 | 
| 235. First National Bank, Bastrop, TX, Reid Sharp  - 
         Comment | 09/08/04 | 
| 236. First National Bank, Bastrop, TX, Galynn Fogle  - 
         Comment | 09/08/04 | 
| 237. First National Bank, Bastrop, TX, Robert Berryhill  - 
         Comment | 09/08/04 | 
| 238. First National Bank, Bastrop, TX, Deleigh Brooks  - 
         Comment | 09/08/04 | 
| 239. First National Bank, Bastrop, TX, David Lewis  - 
         Comment | 09/08/04 | 
| 240. Susan Kaplan, Oak Park, IL  - 
         Comment | 09/08/04 | 
| 241. Sargent County Bank, Forman, ND  - 
         Comment | 09/08/04 | 
| 242. John Farris, Chicago, IL  - 
         Comment | 09/08/04 | 
| 243. Gary Timbanard  - 
         Comment | 09/08/04 | 
| 244. Robert J. Norris, Jr., Inglewood, CA - 
         Comment | 09/08/04 | 
| 245. Habitat for Humanity of Nacogdoches, TX - 
         Comment | 09/08/04 | 
| 246. Reliance Savings Bank, Altoona, PA - 
         Comment | 09/08/04 | 
| 247. CANICCOR, San Francisco, CA - 
         Comment (PDF) | 09/08/04 | 
| 248. Anonymous - 
         Comment | 09/08/04 | 
| 249. M C Bank & Trust Co, Morgan City, LA, Larry Callais - 
         Comment | 09/08/04 | 
| 250. Anonymous - 
         Comment | 09/08/04 | 
| 251. Royce Harris - 
         Comment | 09/08/04 | 
| 252. Walter P. McClatchey, Jr., Alexandria, VA - 
         Comment | 09/08/04 | 
| 253. Rich Gorringe - 
         Comment | 09/08/04 | 
| 254. Juliet de Jesus Alejandre, Chicago, IL - 
         Comment | 09/08/04 | 
| 255. First Bank & Trust East Texas, Diboll, TX - 
         Comment | 09/08/04 | 
| 256. WNC & Associates, Irvine, CA - 
         Comment | 09/08/04 | 
| 257. Calvin B. Taylor Banking Co, Berlin, MD - 
         Comment | 09/07/04 | 
| 258. Norwalk Fair Housing Advisory Commission, Norwalk, CT - 
         Comment | 09/07/04 | 
| 259. Southern Research & Development Corp, New  Iberia, LA - 
         Comment | 09/07/04 | 
| 260. Stop Abusive Family Environments, Welch, WV - 
         Comment | 09/07/04 | 
| 261. Senator Eliot Shapleigh, El Paso, TX  - 
         Comment (PDF) | 09/03/04 | 
| 262. Fund For an Open Society, Philadelphia, PA - 
         Comment | 09/07/04 | 
| 263. Western Bank, St. Paul, MN - 
         Comment | 09/07/04 | 
| 264. Unified Vailsburg Services Organization - 
         Comment | 09/09/04 | 
| 265. Marnia Robinson, Ashland, OR - 
         Comment | 09/09/04 | 
| 266. Paula Menyuk - 
         Comment | 09/09/04 | 
| 267. Michael A. Peresta - 
         Comment | 09/09/04 | 
| 268. Emprise Bank, Wichita, KS, Tom Page - 
         Comment | 09/09/04 | 
| 269. Guaranty Bank and Trust Company, Cedar Rapids, IA - 
         Comment | 09/09/04 | 
| 270. Home State Bank, Loveland, CO - 
         Comment | 09/09/04 | 
| 271. David Raynor, Ossining, NY - 
         Comment | 09/09/04 | 
| 272. ACEnet - 
         Comment | 09/09/04 | 
| 273. Michael Marsh, Toledo, OH - 
         Comment | 09/09/04 | 
| 274. Mark Flynn, Bremerton, WA - 
         Comment | 09/09/04 | 
| 275. Federal Federal fsb, Hutchinson, MN, Donald A. Glas - 
         Comment | 09/09/04 | 
| 276. Federal Federal fsb, Hutchinson, MN, George Loban - 
         Comment | 09/09/04 | 
| 277. Federal Federal fsb, Hutchinson, MN, Larry Romo - 
         Comment | 09/09/04 | 
| 278. Jordan Kauffman Biber - 
         Comment | 09/09/04 | 
| 279. Oklahoma Bankers Association - 
         Comment | 09/09/04 | 
| 280. Geoff Segebarth, Kansas City, MO - 
         Comment | 09/09/04 | 
| 281. Consumer Action, San Francisco, CA -  
         Comment | 09/09/04 | 
| 282. Susan Higgins, Albuquerque, NM - 
         Comment | 09/09/04 | 
| 283. Steve Garrett, Albuquerque, NM - 
         Comment | 09/09/04 | 
| 284. Tana Trichel, Ferriday, LA - 
         Comment | 09/09/04 | 
| 285. Southeast Community Capital, Nashville, TN - 
         Comment | 09/09/04 | 
| 286. Midamerica Housing Partnership, Cedar Rapids, IA - 
         Comment | 09/09/04 | 
| 287. Marjorie Ramphal, Sandy Spring, MD - 
         Comment | 09/09/04 | 
| 288. Capital District Loan Fund, Inc., Albany, NY - 
         Comment | 09/09/04 | 
| 289. Rebeca Romero, Taos, NM - 
         Comment | 09/09/04 | 
| 290. Removed | 09/09/04 | 
| 291. Neighborhood Housing Services of Reading, Inc. - 
         Comment | 09/08/04 | 
| 292. Montgomery Bank, Sikeston, MO - 
         Comment | 09/08/04 | 
| 293. Sevier County Bank, Sevierville, TN, W.S. Brown - 
         Comment | 09/08/04 | 
| 294. Jersey Shore State Bank, Williamsport, PA - 
         Comment | 09/08/04 | 
| 295. Polk Community Development Corp, Dallas, OR - 
         Comment | 09/08/04 | 
| 296. Community Development Network, Portland, OR - 
         Comment | 09/08/04 | 
| 297. Interfaith Housing Center of the Northern Suburbs, Winetka, IL - 
         Comment | 09/08/04 | 
| 298. Capital Area Asset Building Corp, Washington, DC - 
         Comment | 09/08/04 | 
| 299. City of Dayton, Ohio - 
         Comment | 09/08/04 | 
| 300. Washington Reinvestment Alliance, Seattle, WA - 
         Comment | 09/08/04 | 
| 301. Housing Research & Advocacy Center, Cleveland, OH - 
         Comment | 09/08/04 | 
| 302. Kristy McCarthy Weight, Washington, DC - 
         Comment | 09/10/04 | 
| 303. Lake Michigan Financial Corporation - 
         Comment | 09/10/04 | 
| 304  Lisa Weir, Washington, DC - 
         Comment | 09/10/04 | 
| 305. Lily Cornely, Pittsburgh, PA - 
         Comment | 09/10/04 | 
| 306. Enterprise Corporation of the Delta, Greenville, MS - 
         Comment | 09/10/04 | 
| 307. Independent Bankers of Colorado - 
         Comment | 09/10/04 | 
| 308. Rural Community Assistance Corporation, Blake Chambliss - 
         Comment | 09/10/04 | 
| 309. Carol Cohen, Park City, UT - 
         Comment | 09/10/04 | 
| 310. Shelia Slemp, Cleveland, OH - 
         Comment | 09/10/04 | 
| 311. A. C. English, Manning, SC - 
         Comment | 09/10/04 | 
| 312. REACH Community Development, Inc. - 
         Comment | 09/10/04 | 
| 313. Angel Garcia, Brooklyn, NY - 
         Comment | 09/10/04 | 
| 314. DeWayne Wilmore, Carthage, TN - 
         Comment | 09/10/04 | 
| 315. Anonymous - 
         Comment | 09/10/04 | 
| 316. Alpha Community Bank, James Ghiglieri, Jr. - 
         Comment | 09/10/04 | 
| 317. Women's Initiative for Self Employment, San Francisco, CA - 
         Comment | 09/10/04 | 
| 318. Philadelphia Association of Community Development Corporations - 
         Comment | 09/10/04 | 
| 319. Jane Trapp, Perryville, MO - 
         Comment | 09/10/04 | 
| 320. Craig Kalkwarf, Minonk, IL - 
         Comment | 09/10/04 | 
| 321. Jim Smallwood, Piedmont, AL - 
         Comment | 09/10/04 | 
| 322. Phillip Casanares, Richmond, CA - 
         Comment | 09/10/04 | 
| 323. Debbie Land, French Lick, IN - 
         Comment | 09/10/04 | 
| 324. James Powell, Marietta, GA - 
         Comment | 09/10/04 | 
| 325. Don Abernathy, Oklahoma City, OK - 
         Comment | 09/10/04 | 
| 326. First State Bank & Trust Company, Fremont, NE - 
         Comment | 09/10/04 | 
| 327. Neil Fruechte, Waseca, MN - 
         Comment | 09/10/04 | 
| 328. Timothy Riewer, Fremont, NE - 
         Comment | 09/10/04 | 
| 329. Christine Schmitt, Spring Bay, IL  - 
         Comment | 09/10/04 | 
| 330. H. J. Kolinek, Kenedy, TX  - 
         Comment | 09/10/04 | 
| 331. William McQuillan, Greeley, NE - 
         Comment | 09/10/04 | 
| 332. Marvin Cosgray, Atlanta, GA - 
         Comment | 09/10/04 | 
| 333. Kathy Patton, Paoli, IN - 
         Comment | 09/10/04 | 
| 334. Diane DeRubeis, Toluca, IL - 
         Comment | 09/10/04 | 
| 335. John Bullard, Rockingham, NC - 
         Comment | 09/10/04 | 
| 336. Robert Hakes, Minonk, IL - 
         Comment | 09/10/04 | 
| 337. Linda Hoffman, Jasper, IN - 
         Comment | 09/10/04 | 
| 338. Sean Cunningham, Minonk, IL - 
         Comment | 09/10/04 | 
| 339. Vicki Englert, Jasper, IN - 
         Comment | 09/10/04 | 
| 340. Mary Covington, Carrollton, GA - 
         Comment | 09/10/04 | 
| 341. Debbie Middleton, French Lick, IN - 
         Comment | 09/10/04 | 
| 342. Joseph Lutz, Wenona, IL - 
         Comment | 09/10/04 | 
| 343. Gloria Henry, Washburn, IL - 
         Comment | 09/10/04 | 
| 344. Daniel McClain, Hanna City, IL - 
         Comment | 09/10/04 | 
| 345. Daniel McClain, Washburn, IL - 
        Comment | 09/10/04 | 
| 346. Matt Ghiglieri, Washburn, IL - 
         Comment | 09/10/04 | 
| 347. Maria Warner, Spring Bay, IL - 
         Comment | 09/10/04 | 
| 348. Tina Callaway, Hutsonville, IL - 
         Comment | 09/10/04 | 
| 349. Robert Vavra, Shenandoah, IA - 
         Comment | 09/10/04 | 
| 350. Philip Keese, Duran, IA - 
         Comment | 09/10/04 | 
| 351. John DiMichele, Woodland, CA - 
         Comment | 09/10/04 | 
| 352. Glen C. Terry, Napa, CA - 
         Comment | 09/10/04 | 
| 353. Brent Barnes, Urbana, IL - 
         Comment | 09/10/04 | 
| 354. Karen Zimmer, Litchfield, MN - 
         Comment | 09/10/04 | 
| 355. Ronald Hansen, Durant, IA - 
         Comment | 09/10/04 | 
| 356. Richard Horton, Oklahoma City, OK - 
         Comment | 09/10/04 | 
| 357. Marjorie DeAngelis, Clairton, PA - 
         Comment | 09/10/04 | 
| 358. Bryan Chippeaux, Santa Fe, NM - 
         Comment | 09/10/04 | 
| 359. Thomas M. OBrien, Minersville, PA - 
         Comment | 09/10/04 | 
| 360. Farmers Bank of Portageville, Portageville, MO, Gary P. Raney - 
         Comment | 09/10/04 | 
| 361. Farmers Bank of Portageville, Portageville, MO, Kathryn J. Spence - 
         Comment | 09/10/04 | 
| 362. Farmers Bank of Portageville, Portageville, MO, Phyllis Pate - 
         Comment | 09/10/04 | 
| 363. R. Wayne Russell, Dalton, GA - 
         Comment | 09/10/04 | 
| 364. American Marine Bank - 
         Comment | 09/10/04 | 
| 365. Richard Hayley, Metairie, LA - 
         Comment | 09/10/04 | 
| 366. Charles Haney, Madison, GA - 
         Comment | 09/10/04 | 
| 367. Sara Anderson, Wenona, IL - 
         Comment | 09/10/04 | 
| 368. Todd Aman, Lowpoint, IL - 
         Comment | 09/10/04 | 
| 369. Reita Nicholson, French Lick, IN - 
         Comment | 09/10/04 | 
| 370. Wes Schaefer, Los Angeles, CA - 
         Comment | 09/10/04 | 
| 371. Bank of the West, Irving, TX - 
         Comment | 09/10/04 | 
| 372. Reliance Bank - 
         Comment | 09/10/04 | 
| 373. Farmers Bank of Portageville, Portageville, MO, Michelle Smith - 
         Comment | 09/10/04 | 
| 374. Debra Beatty, French Lick, IN - 
         Comment | 09/10/04 | 
| 375. Stephen Rowan, Wayland, MA - 
         Comment | 09/10/04 | 
| 376. Denise Miller, Jasper, IN - 
         Comment | 09/10/04 | 
| 377. Joseph Hunt, Piedmont, AL - 
         Comment | 09/10/04 | 
| 378. Tom Caldwell, Rome, GA - 
         Comment | 09/10/04 | 
| 379. George Kenzy, Burke, SD - 
         Comment | 09/10/04 | 
| 380. Matthew Harvey, Bangor, ME - 
         Comment | 09/10/04 | 
| 381. Human Rights/Fair Housing Commission, City of Sacramento, CA - 
         Comment | 09/09/04 | 
| 382. Pacific Community Ventures, San Francisco, CA - 
         Comment | 09/09/04 | 
| 383. Association of Enterprise Opportunity, Arlington, VA - 
         Comment | 09/09/04 | 
| 384. Denise Moreno Ducheny, California State Senate - 
         Comment | 09/09/04 | 
| 385. Community Bankers Association of Ohio, Columbus, OH - 
         Comment | 09/03/04 | 
| 386. Central Missouri Counties' Human Development Corp, Columbus, MO - 
         Comment (PDF) | 09/09/04 | 
| 387. Crispus Attucks Association, York, PA - 
         Comment | 09/09/04 | 
| 388. Crispus Attucks Association, York, PA - 
         Comment | 09/09/04 | 
| 389. Habitat for Humanity, Southeast Region, Jacksonville, FL - 
         Comment | 09/09/04 | 
| 390. Southern Mutual Help Association, New Iberia, LA - 
         Comment | 09/09/04 | 
| 391. Booneville/Owsley County Industrial Authority, Booneville, KY - 
         Comment | 09/09/04 | 
| 392. Farmers & Merchants Bank, Stuttgart, AR - 
         Comment | 09/09/04 | 
| 393. Grabill Bank, Grabill, IN - 
         Comment | 09/09/04 | 
| 394. Edens Bank, Wilmette, IL - 
         Comment | 09/03/04 | 
| 395. Virginia Phillips - 
         Comment | 09/12/04 | 
| 396. Nancy Jordan, Clinton, TN - 
         Comment | 09/10/04 | 
| 397. Nick Kreilein, Jasper, IN - 
         Comment | 09/10/04 | 
| 398. Carolyn Schmitt, Jasper, IN - 
         Comment | 09/10/04 | 
| 399. June Hochgesang, Jasper, IN - 
         Comment | 09/10/04 | 
| 400. Jennifer Wilson, Loogootee, IN - 
         Comment | 09/10/04 | 
| 401. Cheri Brosmer, Jasper, IN - 
         Comment | 09/10/04 | 
| 402. Janice Lampe, Varna, IL - 
         Comment | 09/10/04 | 
| 403. Michael Roach, Meridian, ID - 
         Comment | 09/10/04 | 
| 404. Farmers Bank of Portageville, Portageville, MO, Mary Ann Ferrell - 
         Comment | 09/10/04 | 
| 405. Farmers Bank of Portageville, Portageville, MO, Katherine St. Mary - 
         Comment | 09/10/04 | 
| 406. Farmers Bank of Portageville, Portageville, MO, Bonita Nanney - 
         Comment | 09/10/04 | 
| 407. Alfred Kreps, La Junta, CO - 
         Comment | 09/10/04 | 
| 408. Itasca Bank & Trust Co., Itasca, IL - 
         Comment | 09/10/04 | 
| 409. George Ray, Fitzgerald, GA - 
         Comment | 09/10/04 | 
| 410. Jeanne Mundy, Jasper, IN - 
         Comment | 09/10/04 | 
| 411. Jane M. Hindsman, Hiawassee, GA - 
         Comment | 09/10/04 | 
| 412. Elois D. Anderson, Hiawassee, GA - 
         Comment | 09/10/04 | 
| 413. Brian Rykhus, Waseca, MN - 
         Comment | 09/10/04 | 
| 414. Larry Thompson, Waseca, MN - 
         Comment | 09/10/04 | 
| 415. Esy Moore, Dallas, TX - 
         Comment | 09/10/04 | 
| 416. John Hall, Dallas, GA - 
         Comment | 09/10/04 | 
| 417. Security Bank of Bibb County, Macon, GA - 
         Comment | 09/10/04 | 
| 418. Stephen M. Annis, CRP, Bakersfield, CA - 
         Comment | 09/10/04 | 
| 419. Carly Schlensker, French Lick, IN - 
         Comment | 09/10/04 | 
| 420. Iowa Bankers Association, Johnston, IA - 
       Comment | 09/10/04 | 
| 421. First State Bank & Trust Company, Fremont, NE, Ronald C. Weaklend - 
       Comment | 09/10/04 | 
| 422. Kevin Meade, Ionia, MI - 
       Comment | 09/10/04 | 
| 423. Heritage Bank, N.A., Willmar, MN - 
       Comment | 09/10/04 | 
| 424. Robert Lamprey, Marlborough, MA - 
       Comment | 09/10/04 | 
| 425. First American Bank and Trust, Vacherie, LA, Connie Amedee - 
       Comment | 09/10/04 | 
| 426. First American Bank and Trust, Vacherie, LA, Frank Bourgeois - 
       Comment | 09/10/04 | 
| 427. Economic Development Council of Pacific County, Raymond, WA - 
       Comment | 09/10/04 | 
| 428. Greg Matheis, Jasper, IN - 
       Comment | 09/10/04 | 
| 429. Lonnie Iholts, Florence, OR - 
       Comment | 09/10/04 | 
| 430. William Mauldin, Watkinsville, GA - 
       Comment | 09/10/04 | 
| 431. Charles Isch, Berne, IN - 
       Comment | 09/10/04 | 
| 432. Max Myers, Santa Fe, NM - 
       Comment | 09/10/04 | 
| 433. First State Bank & Trust Company, Fremont, NE, Jonathan M. Rohlfs - 
       Comment | 09/10/04 | 
| 434. First State Bank & Trust Company, Fremont, NE, Michelle M. Wiese - 
       Comment | 09/10/04 | 
| 435. First State Bank & Trust Company, Fremont, NE, Kellee A. Rasmussen - 
       Comment | 09/10/04 | 
| 436. First State Bank & Trust Company, Fremont, NE, Ronda Niehaus - 
       Comment | 09/10/04 | 
| 437. First Citizens State Bank - 
       Comment | 09/10/04 | 
| 438. First State Bank & Trust Company, Fremont, NE, Shelley L. Winter - 
       Comment | 09/10/04 | 
| 439. Roger Cummings, Winamac, IN - 
       Comment | 09/10/04 | 
| 440. Regional Housing and Community Development Alliance, St. Louis, MO - 
       Comment | 09/10/04 | 
| 441. Tim Thompson, Honea Path, SC - 
       Comment | 09/10/04 | 
| 442. American Marine Bank, Bainbridge Island, WA - 
       Comment | 09/10/04 | 
| 443. Travis Holdman, Markle, IN - 
       Comment | 09/10/04 | 
| 444. Judi Yee, Cerritos, CA - 
       Comment | 09/10/04 | 
| 445. Rick Wininger, Shoals, IN - 
       Comment | 09/10/04 | 
| 446. Michael Bauserman, Berne, IN - 
       Comment | 09/10/04 | 
| 447. Holm Bursum, Socorro, NM- 
       Comment | 09/10/04 | 
| 448. Curtis Ray, Montrose, CO - 
       Comment | 09/10/04 | 
| 449. Alan L. Paris, Glens Falls, NY - 
       Comment | 09/11/04 | 
| 450. Maxfield Flynn, Chicago, IL - 
       Comment | 09/11/04 | 
| 451. Cynthia Jurosek - 
       Comment | 09/11/04 | 
| 452. Harriet Macklin, Atlanta, GA - 
       Comment | 09/11/04 | 
| 453. Samuel Jimenez, Redding, CA - 
       Comment | 09/10/04 | 
| 454. German American Bancorp - 
       Comment | 09/11/04 | 
| 455. Stephen R. Tiwald, Naperville, IL - 
       Comment | 09/11/04 | 
| 456. Wm. L. Hughes, Rapid City, SD - 
       Comment | 09/11/04 | 
| 457. German American Bank - 
       Comment | 09/11/04 | 
| 458. Alexandria Affordable Housing Corporation, Alexandria, LA - 
       Comment | 09/11/04 | 
| 459. Brian DiBona, Marengo, IL - 
       Comment | 09/10/04 | 
| 460. Norman Forsyth, Chehalis, WA - 
       Comment | 09/10/04 | 
| 461. First State Bank, Southwest Indiana - 
       Comment | 09/11/04 | 
| 462. Tim Schoon, Washburn, IL  - 
       Comment | 09/13/04 | 
| 463. Greg Griggs, Marietta, GA - 
       Comment | 09/13/04 | 
| 464. Larry West, Toulon, IL - 
       Comment | 09/13/04 | 
| 465. Katahdin Trust Company, Patten, ME - 
       Comment | 09/13/04 | 
| 466. Duance Rasche, French Lick, IN - 
       Comment | 09/13/04 | 
| 467. Bank of Georgia, Peach Tree City, GA - 
       Comment | 09/13/04 | 
| 468. Ada Jean Sneed - 
       Comment | 09/13/04 | 
| 469. Janet Oller, Greenwood, IN - 
       Comment | 09/13/04 | 
| 470. Melinda Tiraboscchi, Toluca, IL - 
       Comment | 09/13/04 | 
| 471. Sherrell Armstrong, Dyersburg, TN - 
       Comment | 09/13/04 | 
| 472. Lisa Shirar, Franklin, TN - 
       Comment | 09/13/04 | 
| 473. Margaret Derabasse, Port Matilda, PA - 
       Comment | 09/13/04 | 
| 474. C. Thomas Aleshire, Rochester, MN - 
       Comment | 09/13/04 | 
| 475. Dan Puckett, Birmingham, AL - 
       Comment | 09/13/04 | 
| 476. John Sarver, Rayne, LA - 
       Comment | 09/13/04 | 
| 477. Mark Fogt, Garrett, IN - 
       Comment | 09/13/04 | 
| 478. Mark Haas, Veedersburg, IN - 
       Comment | 09/13/04 | 
| 479. Willie Smith, Dozier, AL - 
       Comment | 09/13/04 | 
| 480. Ada Sneed, Memphis, IN - 
       Comment | 09/13/04 | 
| 481. Donald Whitier, Toluca, IL - 
       Comment | 09/13/04 | 
| 482. Debbie Young, Lavonia, GA - 
       Comment | 09/13/04 | 
| 483. Al Vermeer, Rock Valley, IA - 
       Comment | 09/13/04 | 
| 484. Central Community Housing Trust, Minneapolis, MN - 
       Comment | 09/13/04 | 
| 485. Douglas B. Borwick, Winston-Salem, NC - 
       Comment | 09/13/04 | 
| 486. Leann Facer, State College, PA - 
       Comment | 09/13/04 | 
| 487. Barbara Moeller, Fort Wayne, IN - 
       Comment | 09/13/04 | 
| 488. Mike Storms, Washburn, IL - 
       Comment | 09/13/04 | 
| 489. New Frontier Bank, Greeley, CO - 
       Comment | 09/13/04 | 
| 490. Bruce Bryant, Portland, OR - 
       Comment | 09/13/04 | 
| 491. Raymond Shambrock, Springboro, OH - 
       Comment | 09/13/04 | 
| 492. George Eberle, Aberdeen, SD - 
       Comment | 09/13/04 | 
| 493. J. Michael Smithers, Lafollette, TN - 
       Comment | 09/13/04 | 
| 494. Billy Bolton, Red Bay, AL - 
       Comment | 09/13/04 | 
| 495. Harold Miles, Advance, MO - 
       Comment | 09/13/04 | 
| 496. Home Federal Savings, Nampa, ID - 
       Comment | 09/13/04 | 
| 497. Russell Carothers, Winfield, AL - 
       Comment | 09/13/04 | 
| 498. Scott Lehman, Bluffton, OH - 
       Comment | 09/13/04 | 
| 499. Patrick McGoldrick, Macon, GA - 
       Comment | 09/13/04 | 
|  |