803164--4/2/2007--CHOICEONE_FINANCIAL_SERVICES_INC

related topics

{tax, income, asset}

{condition, economic, financial}

{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. 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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