783739--3/17/2008--BANCTRUST_FINANCIAL_GROUP

related topics

{acquisition, growth, future}

{condition, economic, financial}

{loan, real, estate}

{personnel, key, retain}

{operation, natural, condition}

{regulation, change, law}

{loss, insurance, financial}

We face risks with respect to future expansion. Our business is subject to the strength of the U.S. economy in general and the vitality of the local economies where we operate, and a downturn in our local economies could adversely affect our business. Hurricanes or other adverse weather events could negatively affect our local economies or disrupt our operations, which could have an adverse effect on our business or results of operations. If the value of real estate in our core Northern Gulf Coast market were to decline materially, a significant portion of our loan portfolio could become under-collateralized, which could have a material adverse effect on us. We may experience greater loan losses than anticipated. We are subject to a risk of rapid and significant changes in market interest rates. We may be required to raise additional capital at a time when capital may not be readily available. We are subject to extensive regulation that could limit or restrict our activities. We are dependent upon the services of our management team. We may not be able to achieve anticipated results from our merger with The Peoples BancTrust Company, Inc.

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783739--3/17/2008--BANCTRUST_FINANCIAL_GROUP_INC