1295334--3/17/2006--Valley_Bancorp

related topics

{personnel, key, retain}

{acquisition, growth, future}

{competitive, industry, competition}

{condition, economic, financial}

We may not be able to successfully continue our historical growth, which could adversely affect our future operations. We may have difficulty managing our growth, which may divert resources and limit our ability to successfully expand our operations. Our business would be harmed if we lost the services of any of our senior management team. Our growth could be hindered unless we are able to recruit additional, qualified employees. There is intense competition in our market area, and we cannot assure you that we will be able to successfully compete. Fluctuating interest rates can adversely affect our profitability.

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