887149--3/25/2008--CROGHAN_BANCSHARES_INC

related topics

{financial, litigation, operation}

{stock, price, share}

{loss, insurance, financial}

{competitive, industry, competition}

{regulation, change, law}

We depend upon the accuracy and completeness of information about customers. 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. The preparation of our financial statements requires the use of estimates that may vary from actual results.

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