859222--3/25/2010--CARROLLTON

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{condition, economic, financial}

{regulation, change, law}

{product, market, service}

{stock, price, share}

{loss, insurance, financial}

{financial, litigation, operation}

{system, service, information}

{tax, income, asset}

The Company's Business May Be Adversely Affected by Conditions in the Financial Markets and General Economic Conditions. The Company's Profitability Depends Significantly On Economic Conditions In The State Of Maryland. Competition may decrease our growth or profits. Changes in interest rates and other factors beyond our control may adversely affect our earnings and financial condition. Our allowance for loan losses may not be adequate to cover our actual loan losses, which could adversely affect our earnings. Changes in local economic conditions could adversely affect our business. Government regulation significantly affects our business. Changes in the Federal and State tax laws may negatively impact the financial performance of the Company. Technology failure could adversely affect our operations and profits. The Company is subject to litigation risk. Changes in accounting standards or interpretation in new or existing standards could materially affect the results of the Company. Our ability to pay dividends is limited by law and contract. The market price for our common stock may be volatile.

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859222--3/25/2010--CARROLLTON_BANCORP