707886--3/18/2010--UNITED_COMMUNITY_FINANCIAL_CORP

related topics
{acquisition, growth, future}
{condition, economic, financial}
{competitive, industry, competition}
{system, service, information}
{loss, insurance, financial}
{capital, credit, financial}
{regulation, government, change}
{financial, litigation, operation}
Changes in interest rates could adversely affect our financial condition and results of operations. Increasing credit risks could continue to adversely affect our results of operations. We operate in an extremely competitive market, and our business will suffer if we are unable to compete effectively. Legislative or regulatory changes or actions could adversely impact the financial services industry. The preparation of financial statements requires management to make estimates about matters that are inherently uncertain. We face risks with respect to future expansion. Material breaches in security of our systems may have a significant effect on our business. We may elect or be compelled to seek additional capital in the future, but that capital may not be available when it is needed.

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