1176316--3/31/2006--ACCESS_NATIONAL

related topics

{stock, price, share}

{condition, economic, financial}

{regulation, change, law}

{loan, real, estate}

{competitive, industry, competition}

{personnel, key, retain}

{provision, law, control}

{loss, insurance, financial}

Our allowance for loan losses could become inadequate. Our profitability depends significantly on local economic conditions. Our focus on commercial and real estate loans may increase the risk of credit losses Our small to medium-sized business target market may have fewer financial resources to weather a downturn in the economy. We may be adversely affected by changes in government monetary policy. We may be adversely affected by unanticipated changes in government regulations. Our future success will depend on our ability to compete effectively in the highly competitive financial services industry. We depend on the services of key personnel, and a loss of any of those personnel would disrupt our operations and result in reduced revenues. Our common stock has substantially less liquidity than the average trading market for many other publicly traded common stock. Although we have announced a policy of quarterly dividend payments commencing with the quarter beginning January 1, 2006, we cannot guarantee that we will continue to pay dividends to shareholders in the future. Virginia law and our charter documents contain anti-takeover provisions that may make it more difficult or expensive to acquire us in the future or may adversely affect our stock price.

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1176316--3/31/2006--ACCESS_NATIONAL_CORP