716605--3/13/2009--PENNS_WOODS_BANCORP

related topics

{loan, real, estate}

{stock, price, share}

{tax, income, asset}

{condition, economic, financial}

{loss, insurance, financial}

{personnel, key, retain}

{product, market, service}

{regulation, government, change}

{acquisition, growth, future}

Changes in interest rates could reduce our income, cash flows and asset values. Economic conditions either nationally or locally in areas in which our operations are concentrated may adversely affect our business. Our financial condition and results of operations would be adversely affected if our allowance for loan losses is not sufficient to absorb actual losses or if we are required to increase our allowance. Many of our loans are secured, in whole or in part, with real estate collateral which is subject to declines in value. Competition may decrease our growth or profits. The value of certain investment securities is volatile and future declines or other-than-temporary impairments could materially adversely affect our future earnings and regulatory capital. We may be adversely affected by government regulation. We rely on our management and other key personnel, and the loss of any of them may adversely affect our operations. Environmental liability associated with lending activities could result in losses. Failure to implement new technologies in our operations may adversely affect our growth or profits. An investment in our common stock is not an insured deposit.

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716605--3/13/2009--PENNS_WOODS_BANCORP_INC