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. ("InterCounty") 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 InterCounty's Report on Form 10-Q
for the quarter ended September 30, 1997, is forward-looking. Forward-looking statements are subject to risks
and uncertainties affecting the financial institutions industry, including, but not limited to, the following:
Interest Rate Risk
InterCounty'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
InterCounty 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 InterCounty's control. In a rising interest rate environment, loans tend to prepay slowly and new
loans at higher rates increase slowly, while interest paid on deposits increases rapidly because the terms to
maturity of deposits tend to be shorter than the terms to maturity or prepayment of loans. Such differences in the
adjustment of interest rates