FDIC Federal Register Citations

August 27, 2004

Robert E. Feldman, Executive Secretary
Attn: Comments
Federal Deposit Insurance Corporation
550 17th Street North West
Washington, DC 20429

Dear Sir or Madam:

I am writing on behalf of the Farmers National Bank Board of Directors and Management encouraging you to proceed with your proposal to increase the size limit for eligibility for the streamlined small bank exam from $250,000,000 to $1,000,000,000 in assets.

Our bank is a $300,000,000 institution in rural America that continues to be burden by the increased number of reports involving but not limited to large bank lending, investment and service test, collection of small business, small farm or community development loan data. Eliminating some of this burden would allow bank staff to better serve its customer base and communities.

We appreciate the opportunity to provide input on this most important issue and strongly urge
you to increase the limit to $1,000,000,000.

Sincerely,
Ronald L. Brown
President