740806--3/26/2008--F&M_BANK_CORP

related topics

{regulation, change, law}

{loan, real, estate}

{financial, litigation, operation}

{acquisition, growth, future}

{operation, international, foreign}

The inability of the Company to successfully manage its growth or implement its growth strategy may adversely affect the result of operations and financial conditions. The Company s exposure to operational risk may adversely affect the Company. The Company s concentration in loans secured by real estate may adversely impact earnings due to changes in the real estate markets. Legislative or regulatory changes or actions, or significant litigation, could adversely impact the Company or the businesses in which the Company is engaged. Changes in accounting standards could impact reported earnings.

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