37808--2/29/2008--FNB_CORP/FL/

related topics

{loan, real, estate}

{operation, natural, condition}

{acquisition, growth, future}

{debt, indebtedness, cash}

{competitive, industry, competition}

The Corporation s status as a holding company makes it dependent on dividends from its subsidiaries to meet its obligations. The Corporation s results of operations are significantly affected by the ability of its borrowers to repay their loans. The Corporation could experience significant difficulties and complications in connection with its growth and acquisition strategy. The Corporation s results of operations could be adversely affected due to significant competition. The Corporation may be adversely affected by the recent downturn in Florida real estate markets. The Corporation s business and financial performance could be adversely affected, directly or indirectly, by natural disasters, terrorist activities or international hostilities.

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