880641--3/16/2009--EAGLE_FINANCIAL_SERVICES_INC

related topics
{condition, economic, financial}
{capital, credit, financial}
{competitive, industry, competition}
{acquisition, growth, future}
{loan, real, estate}
{loss, insurance, financial}
{personnel, key, retain}
Difficult market conditions have adversely affected our industry. Current levels of market volatility are unprecedented. The soundness of other financial institutions could adversely affect us. There can be no assurance that recently enacted legislation will stabilize the U.S. financial system. The impact on us of recently enacted legislation, in particular the Emergency Economic Stabilization Act of 2008 and American Recovery and Reinvestment Act of 2009 and their implementing regulations, and actions by the FDIC, cannot be predicted at this time. The Company s concentration in loans secured by real estate may increase its credit losses, which would negatively affect our financial results. The Company has no assurances regarding the adequacy of the allowance for loan losses. The Company may not be able to successfully manage its growth or implement its growth strategy, which may adversely affect results of operations and financial condition. The Company s success depends upon its ability to compete effectively in the banking industry. The Company s success depends upon its ability to manage interest rate risk. The Company could be adversely affected by economic conditions in its market area. The Company relies heavily on its senior management team and the unexpected loss of key officers could adversely affect operations.

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