765207--3/13/2009--FIRST_NATIONAL_LINCOLN_CORP_/ME/

related topics
{condition, economic, financial}
{stock, price, share}
{loss, insurance, financial}
{competitive, industry, competition}
{loan, real, estate}
{product, liability, claim}
{stock, price, operating}
{capital, credit, financial}
Recent negative developments in the financial services industry and U.S. and global credit markets may adversely impact our operations and results. The soundness of other financial services institutions may adversely affect our credit risk. Declines in value may adversely impact the investment portfolio. Changes in interest rates can have an adverse effect on profitability. Recent legislative and regulatory initiatives to address difficult market and economic conditions may not stabilize the U.S. banking system. The Cost of FDIC Insurance May Increase. Loss of lower-cost funding sources. Competition in the financial services industry. Allowance for loan losses may be insufficient. Changes in primary market area could adversely impact results of operations and financial condition. Claims and litigation pertaining to fiduciary responsibility or lender liability. There may not be a robust trading market for the Common Stock. The price of our common stock may fluctuate. Future offerings of debt or other securities may adversely affect the market price of our stock.

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