| FIRST STATE BANK AND TRUST COMPANY, INC. From: Rhonda Graham [mailto:rgraham@firststatebancorp.com] Sent: Tuesday, September 14, 2004 4:06 PM
 To: Comments
 Subject: RINnumber3064-ac50
 From: Rhonda Graham Sent: Sept. 14, 2004
 To: Comments
 Subject: RIN number 3064-AC50
 
 To Whom it May Concern,
 Please accept this correspondence as First State Bank and Trust 
        Company, Inc.’s support for the proposed revisions to 12 CFR 345. The 
        proposed revisions would raise the asset size threshold to $1 billion 
        regardless of the size of the holding company, add a community 
        development activity criterion to the evaluation process, and would 
        allow for additional credit due to activities in rural areas.
         First State Bank and Trust Company, Inc. is located in a rural area, 
        and we have always prided ourselves on the involvement that we have in 
        our local community. The community development activity criterion would 
        more accurately represent our involvement in the community. Please accept this correspondence as our support to the current FDIC 
        proposal.
         Sincerely,Rhonda Graham
 Assistant Cashier
 
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