1098151--3/28/2006--FIDELITY_D_&_D_BANCORP

related topics

{stock, price, share}

{condition, economic, financial}

{product, market, service}

{loan, real, estate}

{product, liability, claim}

{acquisition, growth, future}

{personnel, key, retain}

{loss, insurance, financial}

{financial, litigation, operation}

{regulation, government, change}

{system, service, information}

{debt, indebtedness, cash}

{operation, natural, condition}

{control, financial, internal}

{provision, law, control}

{competitive, industry, competition}

{regulation, change, law}

The Company s business is subject to interest rate risk and variations in interest rates may negatively affect its financial performance. The Company is subject to lending risk. The company s allowance for possible loan losses may be insufficient. The Company is subject to environmental liability risk associated with lending activities. The Company s profitability depends significantly on economic conditions in the Commonwealth of Pennsylvania and the local region in which it conducts business. There is no assurance that the Company will be able to successfully compete with others for business. The Company is subject to extensive government regulation and supervision. The Company s controls and procedures may fail or be circumvented. New lines of business or new products and services may subject the Company to additional risks. The Company s ability to pay dividends depends primarily on dividends from its banking subsidiary, which is subject to regulatory limits. The Company s future acquisitions could dilute your ownership and may cause it to become more susceptible to adverse economic events. The Company may not be able to attract and retain skilled people. The Company s information systems may experience an interruption or breach in security. The Company continually encounters technological change. The Company is subject to claims and litigation pertaining to fiduciary responsibility. Severe weather, natural disasters, acts of war or terrorism and other external events could significantly impact the Company s business. The Company s stock price can be volatile The trading volume in the Company s common stock is less than that of other larger financial services companies. An investment in the Company s common stock is not an insured deposit. The Company s articles of incorporation and by-laws, as well as certain banking laws may have an anti-takeover effect. Future governmental regulation and legislation could limit the Company s future growth. The earnings of financial services companies are significantly affected by general business and economic conditions. Financial services companies depend on the accuracy and completeness of information about customers and counterparties. Consumers may decide not to use banks to complete their financial transactions.

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1098151--3/28/2006--FIDELITY_D_&_D_BANCORP_INC