742679--3/23/2006--FNB_FINANCIAL_SERVICES_CORP

related topics

{personnel, key, retain}

{competitive, industry, competition}

{debt, indebtedness, cash}

{acquisition, growth, future}

{loss, insurance, financial}

We may have higher credit losses than we have allowed for. Our growth strategy may not be successful. 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.

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