1109848--3/31/2006--BOE_FINANCIAL_SERVICES_OF_VIRGINIA_INC

related topics
{competitive, industry, competition}
{condition, economic, financial}
{loan, real, estate}
{loss, insurance, financial}
{regulation, change, law}
{acquisition, growth, future}
{personnel, key, retain}
Fluctuations in interest rates may affect profitability. Our profitability depends upon and may be affected by local economic conditions. Our future success is dependent upon our ability to compete effectively in the highly competitive banking industry. Concentrations in loans secured by real estate may increase credit losses, which would have a negative affect on our financial results. If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected. Our profitability and the value of shareholder s investments may suffer because of rapid and unpredictable changes in the highly regulated environment in which we operate. We depend on key personnel for success. If additional capital were needed in the future to continue growth, we may not be able to obtain it on terms that are favorable. This could negatively affect performance and the value of our common stock. Changes in accounting standards could impact reported earnings.

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