Comment on FR Doc # E7-12172

America?s Community Bankers (?ACB?) is pleased to have this opportunity to comment on the proposal issued by the Office of Thrift Supervision (?OTS?) to amend its regulations to permit certain mutual holding company (?MHC?) subsidiaries to adopt an optional charter provision that would prohibit any person from offering to acquire, or acquiring the beneficial ownership of more than 10 percent of the outstanding stock of the minority stock of a MHC savings association subsidiary or MHC subsidiary holding company. Minority stock is stock held by persons other than the subsidiary?s MHC.