701853--2/28/2008--BANCORPSOUTH

related topics

{condition, economic, financial}

{loss, insurance, financial}

{stock, price, share}

{tax, income, asset}

{operation, natural, condition}

{acquisition, growth, future}

{loan, real, estate}

{cost, regulation, environmental}

We realize net interest income primarily from the difference between interest earned on loans and investments and interest paid on deposits and borrowings, and changes in interest rates may adversely affect our profitability and assets. Changes in interest rates could have an adverse impact on our results of operations and financial condition. Monetary policies and economic factors may limit our ability to attract deposits or make loans. Our allowance for credit losses may not be adequate to cover actual credit losses. Hurricanes or other adverse weather events could negatively affect local economies where we maintain branch offices or cause disruption or damage to our branch office locations, which could have an adverse effect on our business or results of operations. Our operations are subject to extensive governmental regulation. We face risks in connection with completed or potential acquisitions. Issuing additional shares of our common stock to acquire other banks, bank holding companies, financial holding companies and insurance agencies may result in dilution for existing shareholders and may adversely affect the market price of our stock.

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701853--2/28/2008--BANCORPSOUTH_INC