893847--3/16/2007--EXCHANGE_NATIONAL_BANCSHARES_INC

related topics
{condition, economic, financial}
{loan, real, estate}
{regulation, government, change}
{loss, insurance, financial}
{personnel, key, retain}
{acquisition, growth, future}
{competitive, industry, competition}
{product, market, service}
Interest Rate Changes May Reduce Our Profitability And Our Banking Subsidiaries Our Profitability Depends On Their Asset Quality And Lending Risks Our Provisions For Probable Loan Losses May Need To Be Increased If We Are Unable To Successfully Compete For Customers In Our Market Area, Our Financial Condition And Results Of Operations Could Be Adversely Affected We May Experience Difficulties In Managing Our Growth And In Effectively Integrating Newly Acquired Companies We May Be Adversely Affected By Changes In Laws And Regulations Affecting The Financial Services Industry Our Success Largely Depends On The Efforts Of Our Executive Officers We Cannot Predict How Changes In Technology Will Affect Our Business.

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