1308017--3/16/2009--FedFirst_Financial

related topics

{loan, real, estate}

{condition, economic, financial}

{provision, law, control}

{regulation, government, change}

{competitive, industry, competition}

{acquisition, growth, future}

{tax, income, asset}

Our expansion strategy may not be successful. Changes in interest rates may reduce our profits and asset value. Our emphasis on real estate lending exposes us to a risk of loss due to a decline in property values. A continuation of recent turmoil in the financial markets could have an adverse effect on our financial position or results of operations. Strong competition within our market area could reduce our profits and slow growth. Our purchase of out-of-state loans may expose us to increased lending risks. We operate in a highly regulated environment and we may be adversely affected by changes in laws and regulations. FFMHC s majority control of our common stock will enable it to exercise voting control over most matters put to a vote of stockholders and will prevent stockholders from forcing a sale or a second-step conversion transaction you may find advantageous.

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1308017--3/16/2009--FedFirst_Financial_CORP