796534--3/12/2008--NATIONAL_BANKSHARES_INC

related topics

{condition, economic, financial}

{debt, indebtedness, cash}

{competitive, industry, competition}

{product, market, service}

If market interest rates rise, our net interest income can be negatively affected in the short term. If there is a significant economic downturn in our region, our credit risk could be adversely affected and result in loss. If the subprime mortgage crisis spreads further and is not resolved, our business could be negatively affected. If there is little economic growth in our market area, loan demand could suffer. If the State of Virginia alters its philosophy with regard to providing on-campus housing for students at state-supported universities, the Company s loan portfolio could be negatively affected. If more competitors come into our market area, our business could suffer.

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