1061068--3/16/2006--GB&T_BANCSHARES

related topics

{acquisition, growth, future}

{competitive, industry, competition}

{operation, international, foreign}

{loss, insurance, financial}

{personnel, key, retain}

{stock, price, share}

{regulation, change, law}

Significant risks accompany our recent rapid expansion We face risks with respect to future expansion and acquisitions or mergers If our allowance for loan losses is not sufficient to cover actual loan losses, our earnings could decrease Our business is subject to the success of the local economies where we operate Risks associated with unpredictable economic and political conditions may be amplified as a result of our limited market areas Our recent operating results may not be indicative of our future operating results Departures of our key personnel may harm our ability to operate successfully Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed Competition from financial institutions and other financial service providers may adversely affect our profitability We are subject to extensive regulation that could limit or restrict our activities and adversely affect our earnings Our ability to pay dividends is limited and we may be unable to pay future dividends

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1061068--3/16/2006--GB&T_BANCSHARES_INC