| Submitted By
         | Date Received | 
| 10000. Mon Valley (PA) 
             Initiative, Earl William Wagner - Comment 
             (PDF) | 10/21/04 | 
| 10001. Mon Valley (PA) 
             Initiative, Annette Capp - Comment 
             (PDF) | 10/21/04 | 
| 10002. Mon Valley (PA) 
             Initiative - Comment (PDF) | 10/21/04 | 
| 10003. Mon Valley (PA) 
             Initiative, Robert Kosko - Comment 
             (PDF) | 10/21/04 | 
| 10004. Mon Valley (PA) 
             Initiative, Donna Little - Comment 
             (PDF) | 10/21/04 | 
| 10005. Mon Valley (PA) 
             Initiative, Joan Diebold - Comment 
             (PDF) | 10/21/04 | 
| 10006. Mon Valley (PA) 
             Initiative, Judy Harvey - Comment (PDF) | 10/21/04 | 
| 10007. Western Center on Law 
             and Poverty, Deanna Kitamura - Comment | 10/19/04 | 
| 10008. Greers Ferry Lake 
             State Bank, Janie Brown - Comment | 10/14/04 | 
| 10009. Greers Ferry Lake 
             State Bank, Wendell Cassell - Comment | 10/14/04 | 
| 10010. Greers Ferry Lake 
             State Bank, Tammy Allen - Comment | 10/14/04 | 
| 10011. Greers Ferry Lake 
             State Bank, Tammy Owens - Comment | 10/14/04 | 
| 10012. Greers Ferry Lake 
             State Bank, Theresa Patty - Comment | 10/14/04 | 
| 10013. Greers Ferry Lake 
             State Bank, Judy Edwards - Comment | 10/14/04 | 
| 10014. Greers Ferry Lake 
             State Bank, Pam Carlton - Comment | 10/14/04 | 
| 10015. Greers Ferry Lake 
             State Bank, Kim Davis - Comment | 10/14/04 | 
| 10016. Greers Ferry Lake 
             State Bank, Doris Robbins - Comment | 10/14/04 | 
| 10017. Greers Ferry Lake 
             State Bank, Bertiz Haile - Comment | 10/14/04 | 
| 10018. Greers Ferry Lake 
             State Bank, Don Rodgers - Comment | 10/14/04 | 
| 10019. Greers Ferry Lake 
             State Bank, Elaine Gorham - Comment | 10/14/04 | 
| 10020. Greers Ferry Lake 
             State Bank, Lynette West - Comment | 10/14/04 | 
| 10021. Greers Ferry Lake 
             State Bank, Renia Gist - Comment | 10/14/04 | 
| 10022. Greers Ferry Lake 
             State Bank, Linda Smallwood - Comment | 10/14/04 | 
| 10023. Greers Ferry Lake 
             State Bank, Judy Smith - Comment | 10/14/04 | 
| 10024. Greers Ferry Lake 
             State Bank, Lori Whisnant - Comment | 10/14/04 | 
| 10025. Greers Ferry Lake 
             State Bank, Gary Yow - Comment | 10/14/04 | 
| 10026. Greers Ferry Lake 
             State Bank, Frances Robertson - Comment | 10/14/04 | 
| 10027. City of Fayetteville, 
             AR, Mayor Dan Coody - Comment | 10/30/04 | 
| 10028. Coy LaSister, New 
             York, NY - Comment | 10/19/04 | 
| 10029. Amalgamated Bank, New 
             York, Ny, Gabriel Caprio - Comment | 10/19/04 | 
| 10030. Bank & Trust, SSB, 
             Del Rio, TX, Henry Gomez - Comment | 10/19/04 | 
| 10031. Bank of Botetourt, 
             Buchanan, VA, H. Watts Steger, III - 
             Comment | 10/19/04 | 
| 10032. Bank of Louisa, 
             Louisa, VA, George Yancey - Comment | 10/19/04 | 
| 10033. Bank of Odessa, 
             Odessa, TX, Daniel Cobb - Comment | 10/19/04 | 
| 10034. Bartlett Farmers 
             Bank, Bartlett, OH, Bob Corbitt - Comment | 11/04/04 | 
| 10035. Bedford Federal 
             Savings Bank, Bedford, VA, D.W. Shilling - 
             Comment | 10/14/04 | 
| 10036. Business Bank, 
             Vienna, VA, Harold Rauner - Comment | 10/14/04 | 
| 10037. Cornerstone Bank, 
             Overland Park, KS, Robert Titus - Comment | 10/14/04 | 
| 10038. Citizens First Bank, 
             The Villages, FL, Gary Anderson - Comment | 10/20/04 | 
| 10039. Crescent Bank & 
             Trust, New Orleans, LA, Fred Morgan - 
             Comment | 10/20/04 | 
| 10040. Cameron State Bank, 
             Elmo Sartin - Comment | 10/20/04 | 
| 10041. Community Bank & 
             Trust, Waco, TX, Kenneth Howington - 
             Comment | 10/19/04 | 
| 10042. Community Bank & 
             Trust, Waco, TX, Evan Klaras - Comment | 10/19/04 | 
| 10043. Empire Bank, 
             Springfield, MO, Michael Williamson - 
             Comment | 10/14/04 | 
| 10044. First Community Bank, 
             Lee's Summit, MO, Terri Stafford - Comment | 10/18/04 | 
| 10045. First Bank of San 
             Luis Obispo, Ann Marie Wood - Comment | 10/19/04 | 
| 10046. Kara Sancez, 
             Burlingame, CA - Comment | 10/20/04 | 
| 10047. First Community Bank 
             of Taney County, Branson, MO - Comment | 10/27/04 | 
| 10048. First National Bank, 
             Christiansburg, VA, R. Bruce Munro - 
             Comment | 10/14/04 | 
| 10049. Farmers & Merchants 
             Bank, Miamisburg, OH, Raymond Shambrock - 
             Comment | 10/20/04 | 
| 10050. First State Community 
             Bank, Ironton, MO, Chris Wigger - Comment | 10/20/04 | 
| 10051. First State Bank, 
             Conway, AR, C. Randall Sims - Comment | 10/14/04 | 
| 10052. Georgia Carolina 
             Bancshares, Augusta, GA, Patrick Blanchard -
             Comment | 10/14/04 | 
| 10053. Glacier Bancorp, 
             Kalispell, MT, James Strosahl - Comment | 10/14/04 | 
| 10054. Glacier Bancorp, 
             Kalispell, MT, Michael Blodnick - Comment | 10/14/04 | 
| 10055. Highlands Union Bank, 
             Abingdon, VA, C. Wayne Perry - Comment | 10/14/04 | 
| 10056. Hudson Savings Bank, 
             Hudson, MA, Joseph Festa - Comment | 10/20/04 | 
| 10057. Jefferson State Bank, 
             San Antonio, TX, Richard Pettit - Comment | 10/20/04 | 
| 10058. Jefferson Bank of 
             Missouri, Jefferson City, MO, Mark Aulbur -
             Comment | 10/28/04 | 
| 10059. Network Bank USA, 
             Ontario, CA, Fred Jensen - Comment | 10/20/04 | 
| 10060. New Jersey Community 
             Capital, Trenton, NJ, David Scheck - 
             Comment | 10/19/04 | 
| 10061. NBT Bank, NA, 
             Norwich, CT, Daryl Forsythe - Comment | 10/14/04 | 
| 10062. NewportFed, Newport, 
             RI, Kevin McCarthy - Comment | 10/14/04 | 
| 10063. New Washington State 
             Bank, New Washington, IN, Joe Morgan - 
             Comment | 10/20/04 | 
| 10064. Pacific International 
             Bank, Seattle, WA, Woosung Park - Comment | 10/20/04 | 
| 10065. Roselle Savings Bank, 
             Roselle, NJ, Jill Schafhauser - Comment | 10/20/04 | 
| 10066. Salem Bank & Trust, 
             Salem, VA, Carl Tarpley, Jr. - Comment | 10/19/04 | 
| 10067. Southern Community 
             Bank, Fayetteville, GA, Fred Faulkner - 
             Comment | 10/19/04 | 
| 10068. SpiritBank, Ted 
             Cundiff - Comment | 10/19/04 | 
| 10069. Tompkins Trust Co, 
             Ithaca, NY, Sue LaLonde - Comment | 10/14/04 | 
| 10070. Tompkins Trust Co, 
             Ithaca, NY, Edward Dawson - Comment | 10/14/04 | 
| 10071. Tompkins Trust Co, 
             Ithaca, NY, Stephen Garner - Comment | 10/14/04 | 
| 10072. UnionBancorp, 
             Streator, IL, Lois Peterson - Comment | 10/14/04 | 
| 10073. Union Bank Co, 
             Columbus Grove, OH, Scott Lehman - Comment | 10/14/04 | 
| 10074. West Alabama Bank & 
             Trust, Reform, AL, Vicki Morton - Comment | 10/19/04 | 
| 10075. Western State Bank, 
             Garden City, KS, Jeff Whitman - Comment | 10/19/04 | 
| 10076. Wyoming County Bank, 
             Warsaw, NY, Jon Cooper - Comment | 10/14/04 | 
| 10077. Northeast Bank, 
             Minneapolis, MN, Suzanne Sjoselius - 
             Comment | 10/20/04 | 
| 10078. Farmers Bank, Union 
             Point, GA, A. Sidney Lane - Comment | 10/14/04 | 
| 10079. Farmers & Merchants 
             Bank, Edwina Shemwell - Comment | 10/20/04 | 
| 10080. Community Bank, 
             Noblesville, IN, Charles Crow - Comment | 10/14/04 | 
| 10081. National Bankshares, 
             Blacksburg, VA, Marilyn Buhyoff - Comment | 10/19/04 | 
| 10082. National Bankshares, 
             Blacksburg, VA, Oakey McNew - Comment | 10/19/04 | 
| 10083. National Bankshares, 
             Blacksburg, VA, Pat Lamm - Comment | 10/19/04 | 
| 10084. National Bankshares, 
             Blacksburg, VA, Lara Ramsey - Comment | 10/19/04 | 
| 10085. National Bankshares, 
             Blacksburg, VA, Mark Lewis - Comment | 10/19/04 | 
| 10086. National Bankshares, 
             Blacksburg, VA, James Rakes - Comment | 10/19/04 | 
| 10087. National Bankshares, 
             Blacksburg, VA, Shelby Evans - Comment | 10/19/04 | 
| 10088. National Bankshares, 
             Blacksburg, VA, Paul Cassell - Comment | 10/19/04 | 
| 10089. National Bank, 
             Blacksburg, VA, Linda Smith - Comment | 10/20/04 | 
| 10090. National Bank, 
             Blacksburg, VA, Jackie Reichner - Comment | 10/20/04 | 
| 10091. National Bank, 
             Blacksburg, VA, Janet Boothe - Comment | 10/20/04 | 
| 10092. National Bank, 
             Blacksburg, VA, Dennis Hayes - Comment | 10/20/04 | 
| 10093. National Bank, 
             Blacksburg, VA, Phillip Baker - Comment | 10/20/04 | 
| 10094. National Bank, 
             Blacksburg, VA, Fred Jackson - Comment | 10/20/04 | 
| 10095. National Bank, 
             Blacksburg, VA, Robert Parks - Comment | 10/20/04 | 
| 10096. National Bank, 
             Blacksburg, VA, Layne Burcham - Comment | 10/20/04 | 
| 10097. National Bank, 
             Blacksburg, VA, Dana Sutphin - Comment | 10/20/04 | 
| 10098. National Bank, 
             Blacksburg, VA, Rick Reed - Comment | 10/20/04 | 
| 10099. National Bank, 
             Blacksburg, VA, Jacqueline Gianopoulos - 
             Comment | 10/20/04 | 
| 10100. National Bank, 
             Blacksburg, VA, Steve Simmons - Comment | 10/20/04 | 
| 10101. National Bank, 
             Blacksburg, VA, Betty Johnson - Comment | 10/20/04 | 
| 10102. National Bank, 
             Blacksburg, VA, Robert Bryant - Comment | 10/20/04 | 
| 10103. National Bank, 
             Blacksburg, VA, Paul Mylum - Comment | 10/20/04 | 
| 10104. National Bank, 
             Blacksburg, VA, Jane Williams - Comment | 10/20/04 | 
| 10105. National Bank, 
             Blacksburg, VA, Phyllis Duncan - Comment | 10/20/04 | 
| 10106. National Bank, 
             Blacksburg, VA, Brad Denardo - Comment | 10/20/04 | 
| 10107. National Bank, 
             Blacksburg, VA, Larry Hayes - Comment | 10/20/04 | 
| 10108. National Bank, 
             Blacksburg, VA, Jim Mattox - Comment | 10/20/04 | 
| 10109. National Bank, 
             Blacksburg, VA, Terry Stafford - Comment | 10/20/04 | 
| 10110. National Bank, 
             Blacksburg, VA, David Skeens - Comment | 10/20/04 | 
| 10111. National Bank, 
             Blacksburg, VA, Jason Pospichal - Comment | 10/20/04 | 
| 10112. First National Bank, 
             Hamilton, AL, Joanne Williams - Comment | 10/19/04 | 
| 10113. First National Bank, 
             Hamilton, AL, Austin Adkins - Comment | 10/19/04 | 
| 10114. First National Bank, 
             Hamilton, AL, Nancy O'Brien- Comment | 10/19/04 | 
| 10115. First National Bank, 
             Hamilton, AL, Beverly Childers - Comment | 10/19/04 | 
| 10116. First National Bank, 
             Hamilton, AL, Jimmy Gregg - Comment | 10/19/04 | 
| 10117. First National Bank, 
             Hamilton, AL, Sarah Shotts - Comment | 10/19/04 | 
| 10118. First National Bank, 
             Hamilton, AL, Pat Duke - Comment | 10/19/04 | 
| 10119. First National Bank, 
             Hamilton, AL, Joan Tyner - Comment | 10/19/04 | 
| 10120. First National Bank, 
             Hamilton, AL, Tony La Russa - Comment | 10/19/04 | 
| 10121. Farmers & Merchants 
             Bank, Clarksville, TN, Keith Bennett - 
             Comment | 10/20/04 | 
| 10122. Farmers & Merchants 
             Bank, Clarksville, TN, Ron Jackson - 
             Comment | 10/20/04 | 
| 10123. Farmers & Merchants 
             Bank, Clarksville, TN, Gene Whitfield - 
             Comment | 10/20/04 | 
| 10124. Farmers & Merchants 
             Bank, Clarksville, TN, Ed Pennington - 
             Comment | 10/20/04 | 
| 10125. Farmers & Merchants 
             Bank, Clarksville, TN, David Thomas - 
             Comment | 10/20/04 | 
| 10126. Farmers & Merchants 
             Bank, Clarksville, TN, William Stuard, Jr.-
             Comment | 10/20/04 | 
| 10127. Farmers & Merchants 
             Bank, Clarksville, TN, Albert Hargis - 
             Comment | 10/20/04 | 
| 10128. Farmers & Merchants 
             Bank, Clarksville, TN, Carol Carmen - 
             Comment | 10/20/04 | 
| 10129. Farmers & Merchants 
             Bank, Clarksville, TN, Bryan Watson - 
             Comment | 10/20/04 | 
| 10130. Farmers & Merchants 
             Bank, Clarksville, TN, Dale Ellis - 
             Comment | 10/20/04 | 
| 10131. Farmers & Merchants 
             Bank, Clarksville, TN, Jeff Porter - 
             Comment | 10/20/04 | 
| 10132. Farmers & Merchants 
             Bank, Clarksville, TN, Dixie Jobe - 
             Comment | 10/20/04 | 
| 10133. Farmers & Merchants 
             Bank, Clarksville, TN, Donna Edmondson - 
             Comment | 10/20/04 | 
| 10134. Farmers & Merchants 
             Bank, Clarksville, TN, Mary Sobba - 
             Comment | 10/20/04 | 
| 10135. Farmers & Merchants 
             Bank, Clarksville, TN,  Pam Phillips -
             Comment | 10/20/04 | 
| 10136. Farmers & Merchants 
             Bank, Clarksville, TN, Alex Dowdy - 
             Comment | 10/20/04 | 
| 10137. Farmers & Merchants 
             Bank, Clarksville, TN, Jim Myers - Comment | 10/20/04 | 
| 10138. Farmers & Merchants 
             Bank, Clarksville, TN, Dawn Poff - Comment | 10/20/04 | 
| 10139. Farmers & Merchants 
             Bank, Clarksville, TN, John Wallace - 
             Comment | 10/20/04 | 
| 10140. Farmers & Merchants 
             Bank, Clarksville, TN, DeWayne Olive - 
             Comment | 10/20/04 | 
| 10141. Farmers & Merchants 
             Bank, Clarksville, TN, Charlotte Keith - 
             Comment | 10/20/04 | 
| 10142. Farmers & Merchants 
             Bank, Clarksville, TN, Greg Hester - 
             Comment | 10/20/04 | 
| 10143. Bank of Tazewell 
             County, Tazewell, VA, Sandra Reynolds - 
             Comment | 10/20/04 | 
| 10144. Bank of Tazewell 
             County, Tazewell, VA, J. Robert Buchanan - 
             Comment | 10/20/04 | 
| 10145. Bank of Tazewell 
             County, Tazewell, VA, Patricia Spraker - 
             Comment | 10/20/04 | 
| 10146. Bank of Tazewell 
             County, Tazewell, VA, Cameron Forrester - 
             Comment | 10/20/04 | 
| 10147. Bank of Tazewell 
             County, Tazewell, VA, Don Buchanan - 
             Comment | 10/20/04 | 
| 10148. Bank of Tazewell 
             County, Tazewell, VA, William Miller - 
             Comment | 10/20/04 | 
| 10149. Bank of Tazewell 
             County, Tazewell, VA, Stephen Barrett - 
             Comment | 10/20/04 | 
| 10150. Bank of Tazewell 
             County, Tazewell, VA, Scott Yates - 
             Comment | 10/20/04 | 
| 10151. Bank of Tazewell 
             County, Tazewell, VA, Thomas Kinser - 
             Comment | 10/20/04 | 
| 10152. Bank of Tazewell 
             County, Tazewell, VA, Alonzo Crouse - 
             Comment | 10/20/04 | 
| 10153. Bank of Tazewell 
             County, Tazewell, VA, Dianne Santolla - 
             Comment | 10/20/04 | 
| 10154. Bank of Tazewell 
             County, Tazewell, VA, Richard Worley - 
             Comment | 10/20/04 | 
| 10155. Bank of Tazewell 
             County, Tazewell, VA, Nellie Stillwell - 
             Comment | 10/20/04 | 
| 10156. Bank of Tazewell 
             County, Tazewell, VA, E. David Akers - 
             Comment | 10/20/04 | 
| 10157. Bank of Tazewell 
             County, Tazewell, VA, Debbie Widener - 
             Comment | 10/20/04 | 
| 10158. Bank of Tazewell 
             County, Tazewell, VA, Brenda Nash - 
             Comment | 10/20/04 | 
| 10159. Bank of Tazewell 
             County, Tazewell, VA, Richard Smith - 
             Comment | 10/20/04 | 
| 10160. Citizens Bank, 
             Corvallis, OR, Michelle Davis - Comment | 10/19/04 | 
| 10161. Citizens Bank, 
             Corvallis, OR, Ranee McDougal - Comment | 10/19/04 | 
| 10162. Citizens Bank, 
             Corvallis, OR, DeAnn Cherbas - Comment | 10/19/04 | 
| 10163. Citizens Bank, 
             Corvallis, OR, David Gazeley - Comment | 10/19/04 | 
| 10164. Citizens Bank, 
             Corvallis, OR, Liz Coulombe - Comment | 10/19/04 | 
| 10165. Citizens Bank, 
             Corvallis, OR, Susan Morrill - Comment | 10/19/04 | 
| 10166. Citizens Bank, 
             Corvallis, OR, Stacy Bostrom - Comment | 10/19/04 | 
| 10167. Citizens Bank, 
             Corvallis, OR, Debra Leiken - Comment | 10/19/04 | 
| 10168. First National Bank 
             of Wyoming, Wyoming, DE, Lauren Shaner - 
             Comment | 10/20/04 | 
| 10169. First National Bank 
             of Wyoming, Wyoming, DE, Stephanie Cool - 
             Comment | 10/20/04 | 
| 10170. First National Bank 
             of Wyoming, Wyoming, DE, Vanessa Brown - 
             Comment | 10/20/04 | 
| 10171. First National Bank 
             of Wyoming, Wyoming, DE, Diane Avery-Stowe -
             Comment | 10/20/04 | 
| 10172. First National Bank 
             of Wyoming, Wyoming, DE, Machelle Green - 
             Comment | 10/20/04 | 
| 10173. First National Bank 
             of Wyoming, Wyoming, DE, Amy King-Waller - 
             Comment | 10/20/04 | 
| 10174. First National Bank 
             of Wyoming, Wyoming, DE, Tyoka Brown - 
             Comment | 10/20/04 | 
| 10175. First National Bank 
             of Wyoming, Wyoming, DE, Franklin Hendricks -
             Comment | 10/20/04 | 
| 10176. First National Bank 
             of Wyoming, Wyoming, DE, Todd Helsdon - 
             Comment | 10/20/04 | 
| 10177. First National Bank 
             of Wyoming, Wyoming, DE, Linda Bell - 
             Comment | 10/20/04 | 
| 10178. First National Bank 
             of Wyoming, Wyoming, DE, Joni Maio - 
             Comment | 10/20/04 | 
| 10179. First National Bank 
             of Wyoming, Wyoming, DE, Kimberly Lodge - 
             Comment | 10/20/04 | 
| 10180. First National Bank 
             of Wyoming, Wyoming, DE, Priscilla Morris -
             Comment | 10/20/04 | 
| 10181. First National Bank 
             of Wyoming, Wyoming, DE, Jodi Guthrie - 
             Comment | 10/20/04 | 
| 10182. First National Bank 
             of Wyoming, Wyoming, DE, Tiffany Jensen - 
             Comment | 10/20/04 | 
| 10183. First National Bank 
             of Wyoming, Wyoming, DE, Jamie Blair - 
             Comment | 10/20/04 | 
| 10184. First National Bank 
             of Wyoming, Wyoming, DE, Agnes Grant - 
             Comment | 10/20/04 | 
| 10185. First National Bank 
             of Wyoming, Wyoming, DE, Vickie Petty-Ebaugh -
             Comment | 10/20/04 | 
| 10186. First National Bank 
             of Wyoming, Wyoming, DE, Jaimee Lewis - 
             Comment | 10/20/04 | 
| 10187. First National Bank 
             of Wyoming, Wyoming, DE, April Billings - 
             Comment | 10/20/04 | 
| 10188. First National Bank 
             of Wyoming, Wyoming, DE, Michele Reed - 
             Comment | 10/20/04 | 
| 10189. First National Bank 
             of Wyoming, Wyoming, DE, Mary Benham - 
             Comment | 10/20/04 | 
| 10190. First National Bank 
             of Wyoming, Wyoming, DE, Beverly Moore - 
             Comment | 10/20/04 | 
| 10191. First National Bank 
             of Wyoming, Wyoming, DE, Diane Wood - 
             Comment | 10/20/04 | 
| 10192. First National Bank 
             of Wyoming, Wyoming, DE, Laura Perry - 
             Comment | 10/20/04 | 
| 10193. First National Bank 
             of Wyoming, Wyoming, DE, Sonya Mitchell - 
             Comment | 10/20/04 | 
| 10194. First National Bank 
             of Wyoming, Wyoming, DE, Robert Faries - 
             Comment | 10/20/04 | 
| 10195. First National Bank 
             of Wyoming, Wyoming, DE, Rachelle Hitchens -
             Comment | 10/20/04 | 
| 10196. First National Bank 
             of Wyoming, Wyoming, DE, Joseph Chippie - 
             Comment | 10/20/04 | 
| 10197. First National Bank 
             of Wyoming, Wyoming, DE, Debbie Bather - 
             Comment | 10/20/04 | 
| 10198. First National Bank 
             of Wyoming, Wyoming, DE, Sherri Picone - 
             Comment | 10/20/04 | 
| 10199. First National Bank 
             of Wyoming, Wyoming, DE, Amanda Grier - 
             Comment | 10/20/04 | 
| 10200. First National Bank 
             of Wyoming, Wyoming, DE, Meredith Brown - 
             Comment | 10/20/04 | 
| 10201. First National Bank 
             of Wyoming, Wyoming, DE, Tonya Glass - 
             Comment | 10/20/04 | 
| 10202. First National Bank 
             of Wyoming, Wyoming, DE, Margaret Brown - 
             Comment | 10/20/04 | 
| 10203. First National Bank 
             of Wyoming, Wyoming, DE, Judith Thompson - 
             Comment | 10/20/04 | 
| 10204. First National Bank 
             of Wyoming, Wyoming, DE, Marni Clendaniel -
             Comment | 10/20/04 | 
| 10205. First National Bank 
             of Wyoming, Wyoming, DE, Suzanne Smith - 
             Comment | 10/20/04 | 
| 10206. First National Bank 
             of Wyoming, Wyoming, DE, Jan Martin - 
             Comment | 10/20/04 | 
| 10207. First National Bank 
             of Wyoming, Wyoming, DE, Teresa Swartz - 
             Comment | 10/20/04 | 
| 10208. First National Bank 
             of Wyoming, Wyoming, DE, Shelly Gravatt - 
             Comment | 10/20/04 | 
| 10209. Patricia T. Devine, 
             Erie, PA - Comment (PDF) | 10/19/04 | 
| 10210. Community Bank of 
             Missouri, Richmond, MO, Thurza Falls - 
             Comment (PDF) | 10/14/04 | 
| 10211. Iowa State Bank, Des 
             Moines, IA, Stephen Henry - Comment 
             (PDF) | 10/14/04 | 
| 10212. Farmers & Merchants 
             Bank, Washington, GA, Jeff Warrenfells - 
             Comment (PDF) | 10/19/04 | 
| 10213. Old Point National 
             Bank, Hampton, VA, Robert Shuford - Comment 
             (PDF) | 10/19/04 | 
| 10214. Greenfield Savings 
             Bank, Greenfield, MA - Comment (PDF) | 10/19/04 | 
| 10215. Central National 
             Bank, Herington, KS, Richard Kramer - 
             Comment (PDF) | 10/19/04 | 
| 10216. Maquoketa State Bank, 
             Maquoketa, IA, Matt Trannel - Comment 
             (PDF) | 10/19/04 | 
| 10217. PremierBank, Fort 
             Atkinson, WI, David Bienfang - Comment 
             (PDF) | 10/19/04 | 
| 10218. Independent Bank 
             Corporation, Ionia, MI, Michael Magee - 
             Comment (PDF) | 10/20/04 | 
| 10219. Royal Banks of 
             Missouri, St. Louis, MO, Ward King - 
             Comment (PDF) | 10/14/04 | 
| 10220. Royal Banks of 
             Missouri, St. Louis, MO, Michael Minor - 
             Comment (PDF) | 10/14/04 | 
| 10221. Simmons First 
             National Corporation, Pine Bluff, AR, Bruce Dawson -
             Comment (PDF) | 10/14/04 | 
| 10222. Valley Bank, Helena, 
             MT, Andrew O'Neill - Comment (PDF) | 10/14/04 | 
| 10223. Soy Capital Bank & 
             Trust Co, Decatur, IL, Kevin Voss - Comment 
             (PDF) | 10/20/04 | 
| 10224. Southern Missouri 
             Bank, Poplar Bluff, MO, Greg Steffens - 
             Comment (PDF) | 11/02/04 | 
| 10225. Pacific Liberty Bank, 
             Huntington Beach, CA, Rick Ganulin - 
             Comment (PDF) | 10/14/04 | 
| 10226. Community Bank, 
             Ellisville, MS, David McCullen - Comment 
             (PDF) | 10/14/04 | 
| 10227. Community Bank, 
             Ellisville, MS, Mark Norwood - Comment 
             (PDF) | 10/14/04 | 
| 10228. Community Bank, 
             Ellisville, MS, Stan Pickering - Comment 
             (PDF) | 10/14/04 | 
| 10229. Community Bank, 
             Ellisville, MS, Darron Dodd - Comment 
             (PDF) | 10/14/04 | 
| 10230. Community Bank, 
             Ellisville, MS, Vicki Sewell - Comment 
             (PDF) | 10/14/04 | 
| 10231. Community Bank, 
             Ellisville, MS, Harold Walker, Jr. - 
             Comment (PDF) | 10/14/04 | 
| 10232. Cameron State Bank, 
             Lake Charles, LA, Janet McNeese - Comment | 10/20/04 | 
| 10233. Cameron State Bank, 
             Lake Charles, LA, Laurie D. Broussard - 
             Comment | 10/20/04 | 
| 10234. Cameron State Bank, 
             Lake Charles, LA, Harry Broussard - 
             Comment | 10/20/04 | 
| 10235. Cameron State Bank, 
             Lake Charles, LA, Craig Whittington - 
             Comment | 10/20/04 | 
| 10236. Cameron State Bank, 
             Lake Charles, LA, J. Lyles McDaniel - 
             Comment | 10/20/04 | 
| 10237. Grand Bank & Trust of 
             Flordia, West Palm Beach, FL, James Vander Woude -
             Comment | 10/14/04 | 
| 10238. Grand Bank & Trust of 
             Flordia, West Palm Beach, FL, David Baker -
             Comment | 10/14/04 | 
| 10239. Grand Bank & Trust of 
             Flordia, West Palm Beach, FL, Gerard Arsenault -
             Comment | 10/14/04 | 
| 10240. Heartland Bank, 
             Gahanna, OH, George Smith - Comment | 10/14/04 | 
| 10241. Heartland Bank, 
             Gahanna, OH, Mark Matthews - Comment | 10/14/04 | 
| 10242. Heartland Bank, 
             Gahanna, OH, James Long  - Comment | 10/14/04 | 
| 10243. Heartland Bank, 
             Gahanna, OH, Linda Finch  - Comment | 10/14/04 | 
| 10244. Heartland Bank, 
             Gahanna, OH, G. Scott McComb - Comment | 10/14/04 | 
| 10245. Heartland Bank, 
             Gahanna, OH, Robert Halley - Comment | 10/14/04 | 
| 10246. Heartland Bank, 
             Gahanna, OH, Donna Holycross - Comment | 10/14/04 | 
| 10247. Mount Prospect 
             National Bank, Mt. Prospect, IL, John Eilering -
             Comment | 10/14/04 | 
| 10248. Mount Prospect 
             National Bank, Mt. Prospect, IL, Carol Harding -
             Comment | 10/14/04 | 
| 10249. Mount Prospect 
             National Bank, Mt. Prospect, IL, Kolleen O'Reilley -
             Comment | 10/14/04 | 
| 10250. Mount Prospect 
             National Bank, Mt. Prospect, IL, Linda Larson -
             Comment | 10/14/04 | 
| 10251. Mount Prospect 
             National Bank, Mt. Prospect, IL, Jon Swanson -
             Comment | 10/14/04 | 
| 10252. Mount Prospect 
             National Bank, Mt. Prospect, IL, Joseph Calandra -
             Comment | 10/14/04 | 
| 10253. Mount Prospect 
             National Bank, Mt. Prospect, IL, Jeanette Allen -
             Comment | 10/14/04 | 
| 10254. Mount Prospect 
             National Bank, Mt. Prospect, IL, John Tafano -
             Comment | 10/14/04 | 
| 10255. Mount Prospect 
             National Bank, Mt. Prospect, IL, Sally Behun -
             Comment | 10/14/04 | 
| 10256. Mount Prospect 
             National Bank, Mt. Prospect, IL, Marlayne Malmgren -
             Comment | 10/14/04 | 
| 10257. Mount Prospect 
             National Bank, Mt. Prospect, IL, Mary Ann Bley -
             Comment | 10/14/04 | 
| 10258. Mount Prospect 
             National Bank, Mt. Prospect, IL, Josephine Kabat -
             Comment | 10/14/04 | 
| 10259. Mount Prospect 
             National Bank, Mt. Prospect, IL, Andrew Hommowun -
             Comment | 10/14/04 | 
| 10260. Mount Prospect 
             National Bank, Mt. Prospect, IL, Kathleen Ferris -
             Comment | 10/14/04 | 
| 10261. Mount Prospect 
             National Bank, Mt. Prospect, IL, Ella Siptrott -
             Comment | 10/14/04 | 
| 10262. Mount Prospect 
             National Bank, Mt. Prospect, IL, Lucille Kightlinger -
             Comment | 10/14/04 | 
| 10263. Iris Rodriguiz, 
             Yonkers, NY - Comment | 10/20/04 | 
| 10264. Luis Rodriguiz, 
             Yonkers, NY - Comment | 10/20/04 | 
| 10265. Kim Hair, Grosse 
             Isle, MI - Comment | 10/20/04 | 
| 10266. Harold Hill, Flint, 
             MI - Comment | 10/20/04 | 
| 10267. Marguerite Evans, 
             Detroit, MI - Comment | 10/20/04 | 
| 10268. Lois Gibbons, S. 
             Lyon, MI- Comment | 10/20/04 | 
| 10269. Betty Appleby, 
             Detroit, MI - Comment | 10/20/04 | 
| 10270. Susan Cocciarelli, 
             East Lansing, MI - Comment | 10/20/04 | 
| 10271. Deborah Courtney, 
             Jackson, MI - Comment | 10/20/04 | 
| 10272. John Melcher, E. 
             Lansing, MI - Comment | 10/20/04 | 
| 10273. Linda Keefe, Lansing, 
             MI - Comment | 10/20/04 | 
| 10274. Tiffany Moore, 
             Waukegan, IL - Comment (PDF) | 10/19/04 | 
| 10275. Debra Trude-Suter, 
             Waukegan, IL - Comment (PDF) | 10/19/04 | 
| 10276. Judy Campbell, 
             Chicago, IL - Comment (PDF) | 10/19/04 | 
| 10277. Monica Harris, 
             Chicago, IL - Comment (PDF) | 10/19/04 | 
| 10278. Tiffany Jones, 
             Chicago, IL - Comment (PDF) | 10/19/04 | 
| 10279. Program Participant -
             Comment (PDF) | 10/19/04 | 
| 10280. Kathleen Mosby, 
             Chicago, IL - Comment (PDF) | 10/19/04 | 
| 10281. Leslie Wilson, 
             Chicago, IL - Comment (PDF) | 10/19/04 | 
| 10282. J. Cruz, 
             Philadelphia, PA - Comment (PDF) | 10/20/04 | 
| 10283. M. Cruz, 
             Philadelphia, PA - Comment (PDF) | 10/20/04 | 
| 10284. Jayne Darling, Salt 
             Lake City, UT - Comment (PDF) | 10/20/04 | 
| 10285. Monique C., 
             Wilmington, DE - Comment (PDF) | 10/20/04 | 
| 10286. Darita Henry, 
             Wilmington, DE - Comment (PDF) | 10/20/04 | 
| 10287. Luisa Parks-Hagler, 
             Wilmington, DE - Comment (PDF) | 10/20/04 | 
| 10288. Andres Gentes, 
             Wilmington, DE - Comment (PDF) | 10/20/04 | 
| 10289. Z Guajardo, Lincoln, 
             DE - Comment (PDF) | 10/20/04 | 
| 10290. Candida Iglesias, 
             Philadelphia, PA - Comment (PDF) | 10/20/04 | 
| 10291. Clarissa J. Sierra, 
             Wilmington, DE - Comment (PDF) | 10/20/04 | 
| 10292. Melissa Sierra, 
             Wilmington, DE - Comment (PDF) | 10/20/04 | 
| 10293. Madeline Torres, 
             Wilmington, DE - Comment (PDF) | 10/20/04 | 
| 10294. Edgard Marting, 
             Wilmington, DE - Comment (PDF) | 10/20/04 | 
| 10295. Samuel Pagan, Jr., 
             Philadelphia, PA - Comment (PDF) | 10/20/04 | 
| 10296. Hugh Carr, Redmond, 
             OR - Comment | 09/20/04 | 
| 10297. Maria Ingegneri, 
             Dedham, MA - Comment | 09/20/04 | 
| 10298. Jan McLellan -
             Comment | 09/20/04 | 
| 10299. Tamara Oberle, 
             Frankford, IN - Comment | 09/20/04 | 
| 10300. National 
             NeighborWorks Assn., Martina Guilfoil - 
             Comment | 09/20/04 | 
| 10301. Okanogan County 
             Community Action, Donna Little - Comment | 09/20/04 | 
| 10302. Cape Savings Bank, 
             Cape May Court House, NJ,  
Herbert 
             Hornsby -
             Comment | 09/20/04 | 
| 10303. Todd Vallie, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10304. National Bank of 
             Stamford, Stamford, NY, Lee Ingraham - 
             Comment | 09/20/04 | 
| 10305. Beckie Wiberg, 
             Kaysville, UT - Comment | 09/20/04 | 
| 10306. Gary Hess, Kennewick, 
             WA - Comment | 09/20/04 | 
| 10307. Thomas Byrd -
             Comment | 09/20/04 | 
| 10308. Germaine Cherry, 
             Philadelphia, PA - Comment | 09/20/04 | 
| 10309. James Beach, Owenton, 
             KY - Comment | 09/20/04 | 
| 10310. Beth McFall, Redmond, 
             OR - Comment | 09/20/04 | 
| 10311. Philip Burns -
             Comment | 09/20/04 | 
| 10312. John Hornbeak -
             Comment | 09/20/04 | 
| 10313. Allston Brighton CDC, 
             Allston, MA, Bob Van Meter - Comment | 09/20/04 | 
| 10314. Terri Brown -
             Comment | 09/20/04 | 
| 10315. Imelda Padilla, White 
             Salmon, WA - Comment | 09/20/04 | 
| 10316. Cameron McPherson, 
             Townsend, WA - Comment | 09/20/04 | 
| 10317. John Sellers -
             Comment | 09/20/04 | 
| 10318. Steve Tippett, 
             Redmond, OR - Comment | 09/20/04 | 
| 10319. First State Bank, 
             Tony Gregory - Comment | 09/20/04 | 
| 10320. Ray Brannen, Macon, 
             GA - Comment | 09/20/04 | 
| 10321. Michael Lloyd -
             Comment | 09/20/04 | 
| 10322. Community Development 
             Venture Capital Alliance, New York, NY - 
             Comment | 09/20/04 | 
| 10323. Helen Piorkowski, 
             Waymart, PA - Comment | 09/20/04 | 
| 10324. Delores Riggins, 
             Baldwin, NY - Comment | 09/20/04 | 
| 10325. Meghan McCarthy, New 
             York, NY - Comment | 09/20/04 | 
| 10326. Lisa Ferguson, 
             Frankfort, IN - Comment | 09/20/04 | 
| 10327. Kelley Lee, Athens, 
             TX - Comment | 09/20/04 | 
| 10328. Fred Schrag, 
             Moundridge, KS - Comment | 09/20/04 | 
| 10329. Janice Marshall, 
             Madras, OR - Comment | 09/20/04 | 
| 10330. Virginia Martin, 
             Dufur, OR - Comment | 09/20/04 | 
| 10331. Jamaine Brasseaux, 
             Chataignier, LA - Comment | 09/20/04 | 
| 10332. Judith Pettingell, 
             Hanover, NH - Comment | 09/20/04 | 
| 10333. Tracey Chew, Santa 
             Clara, CA - Comment | 09/20/04 | 
| 10334. Kelly Muller, 
             Bethany, OK - Comment | 09/20/04 | 
| 10335. Frank Browning, 
             Ogden, UT - Comment | 09/20/04 | 
| 10336. Ed Sink, Bend, OR -
             Comment | 09/20/04 | 
| 10337. First State Bank and 
             Trust Co., Kevin Butler - Comment | 09/20/04 | 
| 10338. Shannon Elliott, 
             Lapeer, MI - Comment | 09/20/04 | 
| 10339. Billi Gutierrez, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10340. Sandy Wells, 
             Goldendale, WA - Comment | 09/20/04 | 
| 10341. Mary Ann Hernandez, 
             Prince Frederick, MD - Comment | 09/20/04 | 
| 10342. City of Tulsa Housing 
             Authority, Susan Olivarez - Comment | 09/20/04 | 
| 10343. John Russ, 
             Charleston, SC - Comment | 09/20/04 | 
| 10344. Northfield Savings 
             Bank, Northfield, VT, Thomas Pelletier - 
             Comment | 09/20/04 | 
| 10345. Cindy Strich, Lapeer, 
             MI - Comment | 09/20/04 | 
| 10346. Lexington (MA) 
             Housing Partnership, Robert Bicknell - 
             Comment | 09/20/04 | 
| 10347. State Bank of Cross 
             Plains, Charles Saeman - Comment | 09/20/04 | 
| 10348. Tanya Danielson, 
             Becker, MN - Comment | 09/20/04 | 
| 10349. Judy Turner, Decatur, 
             GA - Comment | 09/20/04 | 
| 10350. Regena Kepler, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10351. Wanda Sitton, 
             Redmond, OR - Comment | 09/20/04 | 
| 10352. Kaye Stephenson, 
             White Salmon, WA - Comment | 09/20/04 | 
| 10353. Mark Jackson, Bonita 
             Springs, FL - Comment | 09/20/04 | 
| 10354. Shashi Menon, 
             Chicago, IL - Comment | 09/20/04 | 
| 10355. Kathy Branham, 
             Clinton, TN - Comment | 09/20/04 | 
| 10356. First National Bank, 
             Greencastle, PA, Jeff Shank - Comment | 09/20/04 | 
| 10357. Robert Schellhamer, 
             Lancaster, PA - Comment | 09/20/04 | 
| 10358. Richard Fojtik, Riga, 
             MI - Comment | 09/20/04 | 
| 10359. Mattapan CDC, Eva 
             Clarke - Comment | 09/20/04 | 
| 10360. John Crabtree, 
             Harvey, ND - Comment | 09/20/04 | 
| 10361. Texas Neighborhood 
             Services, Mineral Wells, TX, Randy Lawrence -
             Comment | 09/20/04 | 
| 10362. April Weber, 
             Mitchell, SD - Comment | 09/20/04 | 
| 10363. J. Max -
             Comment | 09/20/04 | 
| 10364. New York 
             Assemblywoman RoAnn Destito - Comment | 09/20/04 | 
| 10365. Pamela Zacharias, 
             Milwaukee, WI - Comment | 09/20/04 | 
| 10366. Julie Van Overschele, 
             Mitchell, SD - Comment | 09/20/04 | 
| 10367. Kathy Cave, Jasper, 
             IN - Comment | 09/20/04 | 
| 10368. First State Bank and 
             Trust co., Derenda Young - Comment | 09/20/04 | 
| 10369. Laurie Krause, 
             Hartford, CT - Comment | 09/20/04 | 
| 10370. Renee Hinker, 
             Mitchell, SD - Comment | 09/20/04 | 
| 10371. First State Community 
             Bank, Farmington, MO, William Baker - 
             Comment | 09/20/04 | 
| 10372. Jean Skuban -
             Comment | 09/20/04 | 
| 10373. Jerry Borton, 
             Wauseon, OH - Comment | 09/20/04 | 
| 10374. Katherine Simpson, 
             The Dalles, OR - Comment | 09/20/04 | 
| 10375. Kristee Chick, Bend, 
             OR - Comment | 09/20/04 | 
| 10376. Julie Lundmark, 
             McMinnville, OR - Comment | 09/20/04 | 
| 10377. Katherine Bond, Bend, 
             OR - Comment | 09/20/04 | 
| 10378. Abigaile Kment, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10379. Linda Creager, White 
             Salmon, WA - Comment | 09/20/04 | 
| 10380. Jeff Kaser, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10381. Casey Kaiser, Bend, 
             OR - Comment | 09/20/04 | 
| 10382. Nancy Gander, Bend, 
             OR - Comment | 09/20/04 | 
| 10383. Heidi Luquer, 
             Hartland Four Corners, VT - Comment | 09/20/04 | 
| 10384. Danielle Manis, 
             Seattle, WA - Comment | 09/20/04 | 
| 10385. Maegan Vaivoda, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10386. Staci Coburn, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10387. Cheree Niemeier, 
             Bend, OR - Comment | 09/20/04 | 
| 10388. Lara Stradley, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10389. Naomi Moss, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10390. Karen Miller, 
             Frankfort, IN - Comment | 09/20/04 | 
| 10391. Artie Short, 
             Archbold, OH - Comment | 09/20/04 | 
| 10392. Victoria Rendine, 
             Newberg, OR - Comment | 09/20/04 | 
| 10393. Roger Stewart, Park 
             Rapids, MN - Comment | 09/20/04 | 
| 10394. Marilee Zerfass, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10395. Ron Wolfe, Newberg, 
             OR - Comment | 09/20/04 | 
| 10396. Gail Remsen -
             Comment | 09/20/04 | 
| 10397. Donneva Tolbert -
             Comment | 09/20/04 | 
| 10398. Byron Richards, 
             Groveton, TX - Comment | 09/20/04 | 
| 10399. Karla Saboe, Everly, 
             IA - Comment | 09/20/04 | 
| 10400. United Bank of 
             Michigan, Grand Rapids, MI, Arthur Johnson -
             Comment | 09/20/04 | 
| 10401. Larry Burgess, 
             Campton, KY - Comment | 09/20/04 | 
| 10402. Steve Gramling, 
             Jonesboro, AR - Comment | 09/20/04 | 
| 10403. Patty Weiss, 
             Goldendale, WA - Comment | 09/20/04 | 
| 10404. Robert Ellis, Bend, 
             OR - Comment | 09/20/04 | 
| 10405. Sandy Mendez, 
             Newberg, OR - Comment | 09/20/04 | 
| 10406. Naugatuck Savings 
             Bank, Deborah Wheelahan - Comment | 09/20/04 | 
| 10407. Mechanics' Savings 
             Bank, Auburn, ME, Jane Norris - Comment | 09/20/04 | 
| 10408. Nancy O'Connor, Bend, 
             OR - Comment | 09/20/04 | 
| 10409. Wood & Huston Bank, 
             Marshall, MO, Jeff Crawford - Comment | 09/20/04 | 
| 10410. Debra Palmquist, St. 
             Paul, MN - Comment | 09/20/04 | 
| 10411. Shelle Pack, Bend, OR 
             - Comment | 09/20/04 | 
| 10412. Juliana Duffy, 
             Washington, DC - Comment | 09/20/04 | 
| 10413. Jason Meunier, 
             Pendleton, OR - Comment | 09/20/04 | 
| 10414. 1st Summit Bank, 
             Johnstown, PA, Patricia Concel - Comment | 09/20/04 | 
| 10415. John Klebba, Linn, MO 
             - Comment | 09/20/04 | 
| 10416. Todd Moore, Waco, TX 
             - Comment | 09/20/04 | 
| 10417. Rosalie Todd, 
             Kennewick, WA - Comment | 09/20/04 | 
| 10418. Maryls Sprang, 
             Mitchell, SD - Comment | 09/20/04 | 
| 10419. Bruce Cady, Lapeer, 
             MI - Comment | 09/20/04 | 
| 10420. Debra Gardner, 
             Frederick, MD - Comment | 09/20/04 | 
| 10421. Vicki Matthew, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10422. Thomas Gilleese, 
             Richland, WA - Comment | 09/20/04 | 
| 10423. Pete Mills, Seattle, 
             WA - Comment | 09/20/04 | 
| 10424. Donald Byerly, West 
             Milton, PA - Comment | 09/20/04 | 
| 10425. Mission of Peace CDC, 
             Flint, MI, Sharon Levenberry - Comment | 09/20/04 | 
| 10426. Anne Remaley -
             Comment | 09/20/04 | 
| 10427. Bank of the 
             Carolinas, Mocksville, NC, Robert Marziano -
             Comment | 09/20/04 | 
| 10428. Kenneth Shewmaker, 
             Hanover, NH - Comment | 09/20/04 | 
| 10429. Alice Faye 
             Brewington, Greenville, NC - Comment | 09/20/04 | 
| 10430. Brenda Davis, Madras, 
             OR - Comment | 09/20/04 | 
| 10431. Ethel Cullinan, 
             Macon, GA - Comment | 09/20/04 | 
| 10432. Elisabeth Shewmaker, 
             Hanover, NH - Comment | 09/20/04 | 
| 10433. Gary O'Connelll, 
             Redmond, WA - Comment | 09/20/04 | 
| 10434. Anthony Pereira, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10435. Jackie Wheelhouse, 
             Hermiston, OR - Comment | 09/20/04 | 
| 10436. Rick Elsbury, 
             Lebanon, IN - Comment | 09/20/04 | 
| 10437. Robert Wallace, 
             Columbia, MD - Comment | 09/20/04 | 
| 10438. Robert Wightman, 
             Dallas, TX - Comment | 09/20/04 | 
| 10439. Cindy Swope, 
             Frankfort, IN - Comment | 09/20/04 | 
| 10440. SpiritBank, Tulsa, 
             OK, Greg Boudreau - Comment | 09/20/04 | 
| 10441. Christine Carr, 
             Lapeer, MI - Comment | 09/20/04 | 
| 10442. Citizens Union State 
             Bank & Trust, Clinton, MO, Rhonda Burchett -
             Comment | 09/20/04 | 
| 10443. Mitch Thompson, Chula 
             Vista, CA - Comment | 09/20/04 | 
| 10444. James Booth, Redmond, 
             OR - Comment | 09/20/04 | 
| 10445. Ken Smith -
             Comment | 09/20/04 | 
| 10446. Coast Community Bank, 
             Biloxi, MS, M. David Staehling, Jr. - 
             Comment | 09/20/04 | 
| 10447. Andrea Cohen, 
             Oakland, CA - Comment | 09/20/04 | 
| 10448. Phyllis Brown, 
             Lapeer, MI - Comment | 09/20/04 | 
| 10449. Donald Rusk, 
             Frankfort, IN - Comment | 09/20/04 | 
| 10450. Vicky Bowen, Canby, 
             OR - Comment | 09/20/04 | 
| 10451. Stephanie Buntin, 
             Frankfort, IN - Comment | 09/20/04 | 
| 10452. Madeline Boughter, 
             Hanover, NH - Comment | 09/20/04 | 
| 10453. Bill Hubble, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10454. Chad Goodman, 
             Oklahoma City, OK - Comment | 09/20/04 | 
| 10455. Patriots Bank, 
             Princeton, KS, Connie Beckwith - Comment | 09/20/04 | 
| 10456. Harvey Slaughter -
             Comment | 09/20/04 | 
| 10457. Sky Morgan, The 
             Dalles, OR - Comment | 09/20/04 | 
| 10458. Chandra Hubbard-Dean, 
             Houston, TX - Comment | 09/20/04 | 
| 10459. James Childre, Bend, 
             OR - Comment | 09/20/04 | 
| 10460. Houston Area CDC, 
             Houston, TX, Joy Horak-Brown - Comment | 09/20/04 | 
| 10461. Yvonne R. Bolden, 
             Little Rock, AR - Comment | 09/20/04 | 
| 10462. Kay Dennis -
             Comment | 09/20/04 | 
| 10463. Joan Brock Tazewell, 
             TN - Comment | 09/20/04 | 
| 10464. First Federal Savings 
             Bank of the Midwest, Storm Lake, IA, Susan Jesse -
             Comment | 09/20/04 | 
| 10465. Roger L. Newcomb -
             Comment | 09/20/04 | 
| 10466. Ford Sasser, McAllen, 
             TX - Comment | 09/20/04 | 
| 10467. Vicky Bippart, 
             Norwich, VT - Comment | 09/20/04 | 
| 10468. Frank Kimmell, 
             Granbury, TX - Comment | 09/20/04 | 
| 10469. William Rollo -
             Comment | 09/20/04 | 
| 10470. Frank N. Goffreda, 
             Kenilworth, NJ - Comment | 09/20/04 | 
| 10471. Elizabeth Rees, 
             Washington, DC - Comment | 09/20/04 | 
| 10472. Sam Crawford, 
             Wytheville, VA - Comment | 09/20/04 | 
| 10473. Susan & Michael 
             Thomas, Hanover, NH - Comment | 09/20/04 | 
| 10474. Sara Barcan -
             Comment | 09/20/04 | 
| 10475. John Thomas Cooper, 
             Jr. Chapel Hill, NC - Comment | 09/20/04 | 
| 10476. Adonya Little -
             Comment | 09/20/04 | 
| 10477. John Colgan, 
             Springfield, IL - Comment | 09/20/04 | 
| 10478. Todd Rosenthal, 
             Oklahoma City, OK - Comment | 09/20/04 | 
| 10479. Aisha Samples, 
             Washington, DC - Comment | 09/20/04 | 
| 10480. Kristin Thomason, 
             Oklahoma City, OK - Comment | 09/20/04 | 
| 10481. Eleanor C. Zue, 
             Vershire, VT - Comment | 09/20/04 | 
| 10482. Columbus (GA) Housing 
             Initiatives - Comment | 09/20/04 | 
| 10483. Kevin Bruscher, 
             Mitchell, SD - Comment | 09/20/04 | 
| 10484. Jacqueline Bradshaw, 
             Oklahoma City, OK - 
Comment | 09/20/04 | 
| 10485. Jessica Sanderson, 
             Oklahoma City, OK - Comment | 09/20/04 | 
| 10486. Sarah Conaway, 
             Edmond, OK - Comment | 09/20/04 | 
| 10487. Peter Frazier -
             Comment | 09/20/04 | 
| 10488. Chris Dunning, 
             Oklahoma City, OK - Comment | 09/20/04 | 
| 10489. Mike Mullendore, 
             Oklahoma City, OK - Comment | 09/20/04 | 
| 10490. SSBBank, Stockbridge, 
             MI, Al Stout - Comment | 09/20/04 | 
| 10491. Jeff Staudinger, 
             Springfield, VT - Comment | 09/20/04 | 
| 10492. Gary Stamp, Sandy 
             Lake, PA - Comment | 09/20/04 | 
| 10493. National Affordable 
             Housing Management Association, Alexandria, VA -
             Comment (PDF)
 | 09/20/04 | 
| 10494. Kathy Mahlberg, 
             Harlan, IA - Comment | 09/20/04 | 
| 10495. Manuel Estrada, Jr., 
             Carrizo Springs, TX - Comment | 09/20/04 | 
| 10496. Brock Henderson, 
             Edmond, OK - Comment | 09/20/04 | 
| 10497. Dizzy L. Warren, 
             Albion, MI - Comment | 09/20/04 | 
| 10498. Cindy L. Nau, 
             Lawrence, KS - Comment | 09/20/04 | 
| 10499. Rose Karasti, 
             Chicago, IL - Comment | 09/20/04 |