1083643--3/28/2006--FAUQUIER_BANKSHARES

related topics

{loss, insurance, financial}

{loan, real, estate}

{competitive, industry, competition}

{personnel, key, retain}

{condition, economic, financial}

{regulation, change, law}

Efforts to comply with the Sarbanes-Oxley Act will involve significant expenditures, and non-compliance with the Sarbanes-Oxley Act may adversely affect us. We depend on the services of our key personnel, and a loss of any of those personnel would disrupt our operations and result in reduced revenues. We may incur losses if we are unable to successfully manage interest rate risk. We may be adversely affected by economic conditions in our market area. We have a high concentration of loans secured by real estate and a downturn in the real estate market, for any reason, may increase our credit losses, which would negatively affect our financial results. If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected. Our future success is dependent on our ability to compete effectively in the highly competitive banking industry.

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1083643--3/28/2006--FAUQUIER_BANKSHARES_INC