887149--3/17/2006--CROGHAN_BANCSHARES_INC

related topics

{provision, law, control}

{stock, price, share}

{competitive, industry, competition}

{regulation, change, law}

Provisions in our articles of incorporation and code of regulations may delay or prevent certain third party acquisitions. Government regulation can result in limitations on our operations. We operate in an extremely competitive market, and our business will suffer if we are unable to compete effectively. There is a limited trading market for our common shares, and thus your ability to sell or purchase our common shares may be limited.

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