Experience the Advantages of banking with F&M Bank.Personalized Financial ExpertiseWe Help You Explore And Understand Your Financial And Insurance Options So You Can Make Decisions That Are Best For You.Excellence In Customer ServiceWe Add A Friendly, Personal Touch That Will Make Your Banking And Insurance Experience A Great Part Of Your Day.ConsistencyOur Business Principles Do Not Waver With The Ups And Downs Of Markets Or Economic Cycles.ConvenienceWe Continually Add New Products, Service, And Technology To Make Your Banking And Insurance Transactions More Convenient.Family Owned / Local Decision MakingDecisions Are Made Right Here Across The Desk From You. No Board Meetings To Wait For, No Centralized Office To Review Your Transaction.Community InvolvementWe Take Great Pride In Our Employees Who Are So Willing To Serve Our Community And Feel Very Fortunate To Provide Financial Resources To Many Great Community Projects.