799166--3/13/2006--MASSBANK_CORP

related topics

{regulation, change, law}

{cost, operation, labor}

{condition, economic, financial}

{loss, insurance, financial}

{financial, litigation, operation}

{acquisition, growth, future}

We may face adverse conditions in the securities markets. Interest rates and other conditions impact our results of operations. We must effectively manage our credit risk. Our allowance for loan losses may prove to be insufficient to absorb potential losses in our loan portfolio. Government regulation can result in limitations on our operations. Our employee benefit costs are increasing. Changes in accounting principles can have a significant impact on our operations. We may be facing increased costs when introducing new technology-based services. Due to the nature of our business, we may be subject to litigation from time to time.

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