742679--3/16/2007--FNB_FINANCIAL_SERVICES

related topics

{loss, insurance, financial}

{competitive, industry, competition}

{acquisition, growth, future}

{personnel, key, retain}

{investment, property, distribution}

{debt, indebtedness, cash}

{condition, economic, financial}

We may have higher credit losses than our allowance for credit losses. Risks Relating to the Proposed Merger of Equals with LSB Our growth strategy may not be successful. Our growth strategy may not be successful. Interest rate volatility could significantly harm our business. If we lose key employees with significant business contacts in our market area, our business may suffer. Government regulations may prevent or impair our ability to pay dividends, engage in additional acquisitions, or operate in other ways. We face strong competition in our market areas, which may limit our asset growth and profitability. We face strong competition in our market areas, which may limit our asset growth and profitability. The common stock of FNB Financial Services Corporation is not FDIC insured.

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742679--3/16/2007--FNB_FINANCIAL_SERVICES_CORP