944792--4/12/2007--UNITED_BANCSHARES_INC_/PA

related topics

{tax, income, asset}

{loss, insurance, financial}

{cost, operation, labor}

{personnel, key, retain}

{competitive, industry, competition}

{condition, economic, financial}

{regulation, change, law}

Changes in the economy could have an adverse affect on the Company Future loan losses may exceed the Bank s allowance for loan losses Changing interest rates could reduce the Bank s net interest margin, net interest income, fee income and net income Government regulation can result in limitations on operations The financial services industry is very competitive Ability to attract and retain management and key personnel may affect future growth and earnings Additional, risk factors also include the following all of which may reduce revenues and/or increase expenses and/or pull the Bank s management attention away from core banking operations which may ultimately reduce the Bank s net income

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