925173--3/24/2006--POTOMAC_BANCSHARES

related topics

{loan, real, estate}

{stock, price, share}

{personnel, key, retain}

{condition, economic, financial}

{loss, insurance, financial}

{control, financial, internal}

{competitive, industry, competition}

{regulation, government, change}

Due to Increased Competition, the Company May Not Be Able to Attract and Retain Banking Customers At Current Levels. The Company s Lending Limit May Prevent It from Making Large Loans. Certain Loans That the Bank Makes Are Riskier than Loans for Real Estate Lending. The Company Is Subject to Interest Rate Risk. The Company May Not Be Able to Retain Key Members of Management. An Economic Slowdown in the Company s Market Area Could Hurt Our Business. The Company and the Bank are Extensively Regulated. The Company s Allowance for Loan Losses May Not Be Sufficient. A Shareholder May Have Difficulty Selling Shares. Shares of the Company s Common Stock Are Not FDIC Insured. Customers May Default on the Repayment of Loans. The Company s Controls and Procedures May Fail or Be Circumvented.

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925173--3/24/2006--POTOMAC_BANCSHARES_INC