1082735--12/28/2007--GREATER_ATLANTIC_FINANCIAL_CORP

related topics
{loan, real, estate}
{competitive, industry, competition}
{regulation, change, law}
{regulation, government, change}
{acquisition, growth, future}
{system, service, information}
{debt, indebtedness, cash}
OUR INCREASED EMPHASIS ON COMMERCIAL AND CONSTRUCTION LENDING MAY EXPOSE US TO INCREASED LENDING RISKS. STRONG COMPETITION WITHIN OUR MARKET AREA COULD HURT OUR ABILITY TO COMPETE AND COULD SLOW OUR GROWTH. AN INCREASE IN LOAN PREPAYMENTS AND ON PREPAYMENT OF LOANS UNDERLYING MORTGAGE-BACKED SECURITIES AND SMALL BUSINESS ADMINISTRATION CERTIFICATES MAY ADVERSELY AFFECT OUR PROFITABILITY. CONSEQUENCES IF MERGER WITH SUMMIT DOESN'T OCCUR. WE OPERATE IN A HIGHLY REGULATED ENVIRONMENT AND WE MAY BE ADVERSELY AFFECTED BY CHANGES IN LAWS AND REGULATIONS. A BREACH OF INFORMATION SECURITY COULD NEGATIVELY AFFECT OUR EARNINGS. WE ARE SUBJECT TO HEIGHTENED REGULATORY SCRUTINY WITH RESPECT TO BANK SECRECY AND ANTI-MONEY LAUNDERING STATUTES AND REGULATIONS. FAILURE TO PAY INTEREST ON OUR DEBT MAY ADVERSELY IMPACT US. FAILURE TO REMAIN A WELL CAPITALIZED INSTITUTION.

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