1181001--3/31/2008--ALLIANCE_BANKSHARES

related topics

{personnel, key, retain}

{condition, economic, financial}

{loss, insurance, financial}

{loan, real, estate}

{competitive, industry, competition}

{stock, price, share}

{control, financial, internal}

Our focus on commercial and real estate loans may increase the risk of credit losses, which would negatively affect our financial results. We may be adversely affected by economic conditions in our market area. Our credit risk management approach or processes can impact our results. If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected. Our adoption of Fair Value Option (FVO) accounting may not achieve desired results. We depend on the services of key personnel, and a loss of any of those personnel could disrupt our operations and result in reduced earnings. The success of our future recruiting efforts will impact our ability to grow. Our profitability depends on interest rates, and changes in monetary policy may adversely impact us. 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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1181001--3/31/2008--ALLIANCE_BANKSHARES_CORP