Welcome to F&M Bank.

Since 1950, we have been serving our customers and communities with market-driven products and services.

Our CONTINUED SUCCESS has been based on…

—Providing exceptional quality service, fostered by teamwork that exceeds our customers’ expectations.

—Offering competitive financial products that are effectively delivered.

—Working diligently in our communities to improve quality of life.

F&M Bank is going strong and committed to the communities we serve. Please take a few moments to view our Personal and Business Products as well as Kids Count Too -- a special area for kids of all ages to have some fun and learn more about money and saving.

NOTICE OF CHANGES IN TEMPORARY FDIC INSURANCE COVERAGE FOR TRANSACTION ACCOUNTS

All funds in a “noninterest-bearing transaction account” are insured in full by the Federal Deposit Insurance Corporation from December 31, 2010, through December 31, 2012. This temporary unlimited coverage is in addition to, and separate from, the coverage of at least $250,000 available to depositors under the FDIC’s general deposit insurance rules. The term “noninterest-bearing transaction account” includes a traditional checking account or demand deposit account on which the insured depository institution pays no interest. It also includes interest on Lawyers Trust Accounts (“IOLTAs”). It does not include other accounts, such as traditional checking or demand deposit accounts that may earn interest, NOW accounts, and money-market deposit accounts.