703329--3/13/2009--FIRST_FARMERS_&_MERCHANTS

related topics

{condition, economic, financial}

{loss, insurance, financial}

{stock, price, share}

{personnel, key, retain}

{competitive, industry, competition}

{regulation, change, law}

Our business and credit quality may be adversely affected by conditions in the financial market and economic conditions generally. Liquidity needs could adversely affect our results of operations and financial condition. Our allowance for loan losses may be insufficient. Our profitability depends significantly on economic conditions in the communities in the State of Tennessee where we do business. We are subject to extensive government regulation and supervision. We are subject to interest rate risk. We rely heavily on our management team and on our ability to attract and retain key personnel. Competition from other financial services providers could adversely impact our results of operation. Our common stock is not listed or traded on any established securities market and is normally less liquid than securities traded in those markets.

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703329--3/13/2009--FIRST_FARMERS_&_MERCHANTS_CORP