803164--3/31/2009--CHOICEONE_FINANCIAL_SERVICES_INC

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{condition, economic, financial}
{tax, income, asset}
{competitive, industry, competition}
{interest, director, officer}
Investments in the Registrant's common stock involve risk. Asset quality could be less favorable than expected. General economic conditions in the state of Michigan could be less favorable than expected. Volatility and disruptions in the functioning of the financial markets and related liquidity issues could continue or worsen and, therefore, may adversely impact the Registrant's business, financial condition and results of operations. If the Registrant does not adjust to changes in the financial services industry, its financial performance may suffer. Changes in interest rates could reduce the Registrant's income and cash flow. Additional risks and uncertainties could have a negative effect on financial performance.

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