1181001--3/16/2007--ALLIANCE_BANKSHARES_CORP

related topics
{condition, economic, financial}
{loss, insurance, financial}
{competitive, industry, competition}
{control, financial, internal}
We may be adversely affected by economic conditions in our market area. Our profitability depends on interest rates and changes in monetary policy may adversely impact us. If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected. Structural changes to our mortgage banking business may not be adequate to deal with the real estate mortgage market volatility due to key economic issues such as inventory, pricing, production staff and interest rates, which could dampen our financial performance. Our future success is dependent on our ability to compete effectively in the highly competitive banking industry. Failure to maintain an effective system of internal control over financial reporting may not allow us to be able to accurately report our financial results or prevent fraud.

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