The F.B. Heron Foundation. (2003). The F.B. Heron Foundation: A Private Community Investment Trust. Retrieved from http://www.fbheron.org/documents/ar.2001.viewbook_pvt_com_investment_trust.pdf Established in 1992, the Foundation's mission is to help people and communities to help themselves. In 2001, the board and staff refined the program guidelines to realize that mission. These guidelines identify and articulate the following five elements of wealth-creation strategies for low-income people and communities. * home ownership * enterprise development * quality and affordable child-care * access to capital and; * comprehensive community development This short article describes the Community Investment Trust and how it works.