1368883--3/16/2007--SAN_JOAQUIN

related topics

{condition, economic, financial}

{loan, real, estate}

{stock, price, operating}

{system, service, information}

{control, financial, internal}

{stock, price, share}

{competitive, industry, competition}

{regulation, change, law}

Any change in interest rates may significantly adversely affect our earnings A degradation our loan portfolio quality or an increase in loan losses may significantly adversely affect our earnings The Company's operations are geographically concentrated and a change in economic conditions may significantly adversely affect our earnings The Company faces strong competition which may significantly adversely affect our earnings Adverse effects of laws and regulations may significantly adversely affect our operations or earnings The Company s controls and procedures may fail or be circumvented which may significantly adversely affect our operations or earnings. The Company s information systems may experience an interruption or breach in security. Your ability to sell your shares of common stock at the times and in the amounts you desire may be limited. Our directors and executive officers beneficially own a significant portion of our outstanding common stock.

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1368883--3/16/2007--SAN_JOAQUIN_BANCORP