913341--3/9/2006--C_&_F_FINANCIAL

related topics

{loan, real, estate}

{personnel, key, retain}

{condition, economic, financial}

{loss, insurance, financial}

{customer, product, revenue}

{competitive, industry, competition}

We are subject to interest rate risk and fluctuations in interest rates may negatively affect our financial performance. Periods of rising interest rates or a decline in real estate values in our market will adversely affect our income from our mortgage company. Our business is subject to various lending and other economic risks that could adversely impact our results of operations and financial condition. Our level of credit risk is increasing due to the concentration of our loan portfolio in commercial loans and in consumer finance loans. If our allowance for loan losses becomes inadequate, the results of our operations may be adversely affected. Competition from other financial institutions and financial intermediaries may adversely affect our profitability. We rely heavily on our management team and the unexpected loss of key officers may adversely affect our operations. The success of our growth strategy depends on our ability to identify and recruit individuals with experience and relationships in our primary markets. Our corporate culture has contributed to our success, and if we cannot maintain this culture as we grow, we could lose the beneficial aspects fostered by our culture, which could harm our business.

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913341--3/9/2006--C_&_F_FINANCIAL_CORP