1056943--3/15/2006--PEOPLES_FINANCIAL_SERVICES

related topics

{loan, real, estate}

{loss, insurance, financial}

{tax, income, asset}

{condition, economic, financial}

{personnel, key, retain}

{stock, price, share}

{product, market, service}

{regulation, government, change}

{acquisition, growth, future}

Changes in interest rates could reduce our income, cash flows and asset values. Economic conditions either nationally or locally in areas in which our operations are concentrated may adversely affect our business. Our financial condition and results of operations would be adversely affected if our allowance for loan losses is not sufficient to absorb actual losses or if we are required to increase our allowance. Competition may decrease our growth or profits. We may be adversely affected by government regulation We rely on our management and other key personnel, and the loss of any of them may adversely affect our operations. Environmental liability associated with lending activities could result in losses. Failure to implement new technologies in our operations may adversely affect our growth or profits. An investment in our common stock is not an insured deposit. Our legal lending limits are relatively low and restrict our ability to compete for larger customers. Market conditions may adversely affect our fee based investment business.

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1056943--3/15/2006--PEOPLES_FINANCIAL_SERVICES_CORP/