1179500--3/17/2008--COMMUNITY_FIRST_INC

related topics
{acquisition, growth, future}
{condition, economic, financial}
{competitive, industry, competition}
{operation, natural, condition}
{regulation, government, change}
{personnel, key, retain}
{loan, real, estate}
Our business is subject to local real estate market and other local economic conditions. Liquidity needs could adversely affect our results of operations and financial condition. We may not be able to successfully consolidate our operations with First National Our business strategy includes the continuation of growth plans, and our financial condition and results of operations could be negatively affected if we fail to grow or fail to manage our growth effectively. Competition from financial institutions and other financial service providers may adversely affect our profitability. Changes in interest rates could adversely affect our results of operations and financial condition. Our continued pace of growth may require us to raise additional capital in the future, but that capital may not be available when it is needed. Our key management personnel may leave at any time. Events beyond our control may disrupt operations and harm operating results. We operate in a highly regulated environment and are supervised and examined by various federal and state regulatory agencies who may adversely affect our ability to conduct business.

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