LoansWe believe in helping our customers reach their goals and meet their needs. F&M Bank provides a variety of competitive lending products and options for both personal and commercial customers.

Personal Lending

Auto & More

Whether you are considering financing a car, truck, ATV, boat or other mode of transportation, talk first to one of our loan officers to learn more about the options we have for you.

Home Equity

Use one of our Home Equity products to increase and improve your home or consolidate your debt.

Commercial Lending

Business Expansion

If you would like to renovate or expand your existing business, contact one of our loan officers.

Line of Credit

You may be eligible for a commercial line of credit to help you grow your existing business. Let us know how we may help you.


We can offer you competitive options for the purchase of business or farm equipment.


The Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) requires us to provide you with the names of our mortgage loan originators and their identifier.

Lamar Nix #769223
Debbie Barnett #769216 LINCOLN
Jim Baston #769217 Catherine Holloway #769224
Casey Jackson #769219 Teresa Tankersley #769226 
Al Lamar #769221 MARTINEZ
Cassie Ware #1526979 James Brantley #405529
Bart Pennington
 DOWNTOWN Connie Adams #769228
 Johnny Newberry  #769222 Nathan Strickland #1026706


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