928592--9/13/2007--PVF_CAPITAL

related topics

{stock, price, share}

{loan, real, estate}

{provision, law, control}

{cost, operation, labor}

{regulation, government, change}

{condition, economic, financial}

{operation, natural, condition}

{interest, director, officer}

{investment, property, distribution}

The Company and the Bank operate in a highly regulated environment and may be adversely affected by changes in laws and regulations. Our emphasis on construction and commercial real estate lending and land loans may expose us to increased lending risks. The Company s financial condition and results of operations are dependant on the economy in the Bank s market area. Provisions in the Company s certificate of incorporation and bylaws and statutory provisions could discourage a hostile acquisition of control. Risks Related to the Merger with United Community Financial Corp. You might not receive the form of merger consideration that you elect. The number of shares of United Community common stock to be issued to Company stockholders in the merger has essentially been fixed. United Community may experience greater than expected difficulties in integrating the Company s businesses.

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928592--9/13/2007--PVF_CAPITAL_CORP