908837--3/16/2006--NB&T_FINANCIAL_GROUP

related topics

{stock, price, share}

{condition, economic, financial}

{loan, real, estate}

{provision, law, control}

{competitive, industry, competition}

{loss, insurance, financial}

{regulation, government, change}

{financial, litigation, operation}

Changes in interest rates could adversely affect our financial condition and results of operations. Changes in national and local economic and political conditions could adversely affect our earnings, as our borrowers ability to repay loans and the value of the collateral securing our loans decline and as loans and deposits decline. We operate in an extremely competitive market, and our business will suffer if we are unable to compete effectively. Legislative or regulatory changes or actions could adversely impact the financial services industry. Our ability to pay cash dividends is limited. The preparation of financial statements requires management to make estimates about matters that are inherently uncertain. Trading in our common shares is very limited, which may adversely affect the time and the price at which you can sell your NB T Financial common shares. Our organizational documents and the large percentage of shares controlled by management and family members of management may have the effect of discouraging a third party from acquiring us.

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908837--3/16/2006--NB&T_FINANCIAL_GROUP_INC