880641--3/30/2006--EAGLE_FINANCIAL_SERVICES_INC

related topics

{condition, economic, financial}

{acquisition, growth, future}

{loan, real, estate}

{personnel, key, retain}

{competitive, industry, competition}

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 s concentration in loans secured by real estate may increase its credit losses, which would negatively affect our financial results. 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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