799166--3/14/2008--MASSBANK

related topics

{regulation, change, law}

{cost, operation, labor}

{condition, economic, financial}

{loss, insurance, financial}

{interest, director, officer}

{financial, litigation, operation}

{stock, price, share}

{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. If our proposed Merger with Eastern Bank Corporation is not completed, our business and stock price may be adversely affected. INVESTORS AND SECURITY HOLDERS ARE URGED TO READ THE PROXY STATEMENT REGARDING THE PROPOSED TRANSACTION WHEN IT BECOMES AVAILABLE AND ANY OTHER RELEVANT DOCUMENTS FILED WITH THE SECURITIES AND EXCHANGE COMMISSION, AS WELL AS ANY AMENDMENTS OR SUPPLEMENTS TO THOSE DOCUMENTS, BECAUSE THEY WILL CONTAIN IMPORTANT INFORMATION ABOUT THE PROPOSED MERGER.

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799166--3/14/2008--MASSBANK_CORP