OMAHA — Farmers with good credit in the states included in the Federal Reserve Bank’s 10th District have generally still been able to borrow money, but that likely will become harder in the final three months of 2008.

The Federal Reserve Bank of Kansas City surveyed banks in the district — which includes Colorado, Kansas, Nebraska, Oklahoma, Wyoming and parts of New Mexico and Missouri — for the agricultural credit update released Monday.

During the third quarter, loan demand remained strong and the amount of money available to lend remained slightly ahead of last year. About 20 percent of banks raised collateral requirements.

In the fourth quarter, farm loan demand is expected to increase while banks further tighten their credit standards.