921547--3/3/2008--HERITAGE_OAKS_BANCORP

related topics

{stock, price, share}

{operation, natural, condition}

{operation, international, foreign}

{loan, real, estate}

{competitive, industry, competition}

If any of the following risks actually occur, our financial condition and results of operations could be materially and adversely affected. If this were to happen, the value of our common stock could decline significantly, and you could lose all or part of your investment. RISKS ASSOCIATED WITH OUR BUSINESS RISKS ASSOCIATED WITH OUR BUSINESS RISKS ASSOCIATED WITH OUR INDUSTRY RISKS ASSOCIATED WITH OUR INDUSTRY RISKS ASSOCIATED WITH OUR STOCK RISKS ASSOCIATED WITH OUR STOCK

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