1099932--3/20/2006--CENTRA_FINANCIAL_HOLDINGS_INC

related topics

{loan, real, estate}

{personnel, key, retain}

{stock, price, operating}

{competitive, industry, competition}

{condition, economic, financial}

The Company engages in commercial and consumer lending activities which are riskier than residential real estate lending. The Company has limited control over its profitability because the Company cannot control the various factors that can cause fluctuations in interest rates. The Company s success depends on the Company s management team. An economic slowdown in our market area could hurt the Company s business. The Company is highly regulated.

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