FNBF Fnb Financial Services Corp (MM)

FNB Financial Services Corporation (NASDAQ:FNBF)(�FNB� or �Company�), parent of FNB Southeast (the �Bank�), today announced that Pressley A. Ridgill, President and Chief Executive Officer, and Michael W. Shelton, Chief Financial Officer, will be presenting at the 2006 America�s Community Bankers Community Bank Investor Conference that will be held in New York City on Thursday, November 2, 2006 beginning at 11:00 AM. A live webcast of the presentation may be accessed at�http://www.corporate-ir.net/ireye/confLobby.zhtml?ticker=FNBF&item_ id=1407870. (Due to the length of this URL, it may be necessary to copy and paste this hyperlink into your Internet browser's URL address field. Remove the extra space if one exists.) In addition, a copy of the slide presentation will be available on the Company�s website, www.fnbsoutheast.com. FNB Financial Services Corporation is a financial holding company with one subsidiary, FNB Southeast; a North Carolina chartered commercial bank. FNB Southeast currently operates 18 banking offices located in North Carolina and Virginia. FNB Southeast Mortgage Corporation and FNB Southeast Investment Services, Inc. are operating subsidiaries of FNB Southeast. Forward Looking Statements The webcast and slide presentation referred to in this release may contain forward looking statements with respect to the financial conditions and results of operations of FNB Financial Services Corporation (�FNB�). These forward looking statements involve certain risks and uncertainties. Factors that may cause actual results to differ materially from those contemplated by such forward looking statements include, among others, the following possibilities: (1) projected results in connection with the implementation of our business plan are lower than expected; (2) competitive pressure among financial services companies increases significantly; (3) costs or difficulties related to the integration of acquisitions or expenses in general are greater than expected; (4) general economic conditions, in the markets in which FNB does business, are less favorable than expected; (5) risks inherent in making loans, including repayment risks and risks associated with collateral values, are greater than expected; (6) changes in the interest rate environment reduce interest margins and affect funding sources; (7) changes in market rates and prices may adversely affect the value of financial products; (8) legislation or regulatory requirements or changes thereto adversely affect the businesses in which FNB is engaged; (9) regulatory compliance cost increases are greater than expected; and (10) decisions to change the business mix of FNB. For further information and other factors which could affect the accuracy of forward looking statements, please see FNB�s reports filed with the Securities and Exchange Commission (�SEC�) pursuant to the Securities Exchange Act of 1934 which are available at the SEC�s website (www.sec.gov) or at FNB�s website (www.fnbsoutheast.com). Readers are cautioned not to place undue reliance on these forward looking statements, which reflect management�s judgments only as of the date hereof. FNB undertakes no obligation to publicly revise those forward looking statements to reflect events and circumstances that arise after the date hereof. FNB Financial Services Corporation (NASDAQ:FNBF)("FNB" or "Company"), parent of FNB Southeast (the "Bank"), today announced that Pressley A. Ridgill, President and Chief Executive Officer, and Michael W. Shelton, Chief Financial Officer, will be presenting at the 2006 America's Community Bankers Community Bank Investor Conference that will be held in New York City on Thursday, November 2, 2006 beginning at 11:00 AM. A live webcast of the presentation may be accessed at http://www.corporate-ir.net/ireye/confLobby.zhtml?ticker=FNBF&item_ id=1407870. (Due to the length of this URL, it may be necessary to copy and paste this hyperlink into your Internet browser's URL address field. Remove the extra space if one exists.) In addition, a copy of the slide presentation will be available on the Company's website, www.fnbsoutheast.com. FNB Financial Services Corporation is a financial holding company with one subsidiary, FNB Southeast; a North Carolina chartered commercial bank. FNB Southeast currently operates 18 banking offices located in North Carolina and Virginia. FNB Southeast Mortgage Corporation and FNB Southeast Investment Services, Inc. are operating subsidiaries of FNB Southeast. Forward Looking Statements The webcast and slide presentation referred to in this release may contain forward looking statements with respect to the financial conditions and results of operations of FNB Financial Services Corporation ("FNB"). These forward looking statements involve certain risks and uncertainties. Factors that may cause actual results to differ materially from those contemplated by such forward looking statements include, among others, the following possibilities: (1) projected results in connection with the implementation of our business plan are lower than expected; (2) competitive pressure among financial services companies increases significantly; (3) costs or difficulties related to the integration of acquisitions or expenses in general are greater than expected; (4) general economic conditions, in the markets in which FNB does business, are less favorable than expected; (5) risks inherent in making loans, including repayment risks and risks associated with collateral values, are greater than expected; (6) changes in the interest rate environment reduce interest margins and affect funding sources; (7) changes in market rates and prices may adversely affect the value of financial products; (8) legislation or regulatory requirements or changes thereto adversely affect the businesses in which FNB is engaged; (9) regulatory compliance cost increases are greater than expected; and (10) decisions to change the business mix of FNB. For further information and other factors which could affect the accuracy of forward looking statements, please see FNB's reports filed with the Securities and Exchange Commission ("SEC") pursuant to the Securities Exchange Act of 1934 which are available at the SEC's website (www.sec.gov) or at FNB's website (www.fnbsoutheast.com). Readers are cautioned not to place undue reliance on these forward looking statements, which reflect management's judgments only as of the date hereof. FNB undertakes no obligation to publicly revise those forward looking statements to reflect events and circumstances that arise after the date hereof.