1181001--4/15/2009--ALLIANCE_BANKSHARES

related topics

{condition, economic, financial}

{loan, real, estate}

{personnel, key, retain}

{acquisition, growth, future}

{tax, income, asset}

{loss, insurance, financial}

{competitive, industry, competition}

If we need additional capital in the future to continue our growth and maintain our targeted regulatory capital levels, we may not be able to obtain it on terms that are favorable. This could negatively affect our performance and the value of our common stock. Current levels of market volatility are unprecedented and could adversely affect our access to capital. Our focus on commercial and real estate loans may increase the risk of credit losses, which would negatively affect our financial results. We have been and may be further adversely affected by economic conditions in our market area. If our allowance for loan losses becomes inadequate, our results of operations may be adversely affected. A continuation or further deterioration of the current economic environment could adversely impact our financial condition and results of operations. Weakness in the secondary residential mortgage loan markets will adversely affect our income from our mortgage division. Deterioration in the soundness of other financial institutions could adversely affect us. We have been effective in a specific market niche, which creates an industry concentration. Difficult market conditions have adversely affected our industry We have intangible assets and goodwill that may become impaired, and thus result in a charge against earnings. 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.

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1181001--4/15/2009--ALLIANCE_BANKSHARES_CORP