874495--3/17/2008--JEFFERSONVILLE

related topics

{stock, price, share}

{acquisition, growth, future}

{tax, income, asset}

{regulation, government, change}

{competitive, industry, competition}

{regulation, change, law}

{loan, real, estate}

{condition, economic, financial}

Although our common stock is traded on the NASDAQ Small Cap Market, the volume of trading in the common stock has been light. As a result, shareholders may not be able to quickly and easily sell their common stock. Our common stock is not FDIC-insured. Applicable laws and regulations restrict both the ability of the Bank to pay dividends to the Company, and the ability of the Company to pay dividends to you. We operate in a highly regulated environment and may be adversely affected by changes in laws and regulations. Changes in local economic conditions could reduce our income and growth, and could lead to higher levels of problem loans and charge-offs. There is no assurance that we will be able to successfully compete with others for business. Our profitability depends on maintaining our projected interest rate differentials. Our growth and expansion may be limited by many factors.

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874495--3/17/2008--JEFFERSONVILLE_BANCORP