731122--3/26/2010--CCFNB_BANCORP_INC

related topics

{loan, real, estate}

{control, financial, internal}

{personnel, key, retain}

{regulation, change, law}

{cost, operation, labor}

Adverse changes in the market value of securities and investments that we manage for others may negatively impact the growth level of the Bank s non-interest income. The Bank s branch locations may be negatively affected by changes in demographics. Changes in the regulatory environment may adversely affect the Bank s business. Training and technology costs, as well as product development and operating costs, may exceed our expectations and negatively impact our profitability. If we fail to maintain an effective system of internal controls, we may not be able to accurately report our financial results or prevent fraud. The loss of one or more of our key personnel may materially and adversely affect our prospects.

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