740806--3/26/2009--F&M_BANK_CORP

related topics

{regulation, change, law}

{loan, real, estate}

{financial, litigation, operation}

{operation, international, foreign}

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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