EXHIBIT 99
Safe Harbor Under the Private Securities Litigation Reform Act of 1995
The Private Securities Litigation Reform Act of 1995 (the "Act") provides a "safe harbor" for forward-looking
statements to encourage companies to provide prospective information about their companies, so long as those
statements are identified as forward-looking and are accompanied by meaningful cautionary statements identifying
important factors that could cause actual results to differ materially from those discussed in the statement.
InterCounty Bancshares, Inc. and its subsidiaries (the "Company") desires to take advantage of the "safe harbor"
provisions of the Act. Certain information, particularly information regarding future economic performance and
finances and plans and objectives of management, contained or incorporated by reference in the Company's
Report on Form 10-Q for the quarter ended September 30, 2000 is forward-looking. In some cases, information
regarding certain important factors that could cause actual results of operations or outcomes of other events to
differ materially from any such forward-looking statement appear together with such statement. In addition,
forward-looking statements are subject to other risks and uncertainties affecting the financial institutions industry,
including, but not limited to, the following:
Interest Rate Risk
The Company's operating results are dependent to a significant degree on its net interest income, which is the
difference between interest income from loans, investments and other interest-earning assets and interest expense
on deposits, borrowings and other interest-bearing liabilities. The interest income and interest expense of the
Company change as the interest rates on interest-earning assets and interest-bearing liabilities change. Interest
rates may change because of general economic conditions, the policies of various regulatory authorities and other
factors beyond the Company's control. In a rising interest rate environment, loans tend to pr