1308017--3/17/2008--FedFirst_Financial_CORP

related topics
{loan, real, estate}
{tax, income, asset}
{provision, law, control}
{regulation, government, change}
{competitive, industry, competition}
{acquisition, growth, future}
Our expansion strategy may not be successful. Changes in interest rates may reduce our profits and asset value. A downturn in the local economy or a decline in real estate values could reduce our profits. Strong competition within our market area could reduce our profits and slow growth. A significant percentage of our assets are invested in lower yielding investments, which has contributed to our low profitability. Our purchase of unseasoned, 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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