1036030--6/28/2007--WAYNE_SAVINGS_BANCSHARES_INC_/DE/

related topics

{condition, economic, financial}

{loss, insurance, financial}

{loan, real, estate}

{regulation, change, law}

{stock, price, share}

The Company s results of operations are significantly dependent on economic conditions and related uncertainties. Changes in interest rates could have a material adverse effect on our operations. There are increased risks involved with commercial real estate, construction, commercial business and consumer lending activities. Our allowance for loan losses may not be adequate to cover probable losses. Trading Market; Shares Eligible for Future Sale; Possible Volatility of Stock Price Holding Company Structure; Government Regulations and Policies

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