1115568--3/20/2006--WGNB_CORP

related topics

{competitive, industry, competition}

{loan, real, estate}

{condition, economic, financial}

{personnel, key, retain}

Our success depends on our ability to compete effectively in the competitive financial services industry - Our business may be adversely affected by the highly regulated environment in which we operate We may be adversely affected by a general deterioration in economic conditions We are subject to credit risk inherent in our loan portfolio We may be adversely affected by interest rate changes We could be held responsible for environmental liabilities of properties acquired through foreclosure Loss of our senior executive officers or other key employees could impair our relationship with customers and adversely affect our business

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