714712--3/12/2010--JUNIATA_VALLEY_FINANCIAL

related topics

{condition, economic, financial}

{provision, law, control}

{control, financial, internal}

{product, liability, claim}

{regulation, government, change}

{stock, price, share}

{stock, price, operating}

Changes in interest rates may have an adverse effect on the Company s profitability. Recent negative developments in the financial services industry and U.S. and global credit markets may adversely impact our results of operations and our stock price. Changes in economic conditions and related uncertainties may have an adverse affect on the Company s profitability. The supervision and regulation to which the Company is subject can be a competitive disadvantage. The competition the Company faces is increasing and may reduce our customer base and negatively impact the Company s results of operations. The actions of the U.S. Government for the purpose of stabilizing the financial markets, or market response to those actions, may not achieve the intended effect, and our results of operations could be adversely affected. Fluctuations in the stock market could negatively affect the value of the Company s common stock. Anti-takeover provisions may keep shareholders from receiving a premium for their shares. If the Company fails to maintain an effective system of internal controls, it may not be able to accurately report its financial results or prevent fraud. As a result, current and potential shareholders could lose confidence in the Company s financial reporting, which could harm its business and the trading price of its common stock.

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714712--3/12/2010--JUNIATA_VALLEY_FINANCIAL_CORP