FDIC-Insured - Backed by the full faith and credit of the U.S. Government
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Our Vision

Our Commitment is to Provide the Highest Level of Service with Integrity, Offer Superior Products as Solutions, and show Strength through Our Teamwork and Reputation 
 

Our Guiding Values:

  • To have an attitude that the customer is the only reason for this business.
  • To have an environment that welcomes employee involvement, rewards teamwork and commitment, enhances employee learning and achievement and is boundary less in its structure.
  • To embrace the changing purpose, structure, products and technology that is occurring in the financial services industry.
  • To seek long term relationships with our customers rather than short term business.
  • To be a financially viable and profitable independent community bank that is committed to improving the quality of life of the communities we serve.
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We have the right loan to meet your needs.

Whether you’re looking to remodel your home or make a new addition, our HELOC's can be helpful for any major expense. They can also provide funds for vacations, a new vehicle, or any added expense.
Group shot of F&M team members.

Service, Solutions, Strength isn’t just a tagline. We’re here for you.

Our team is our most important asset, as they drive the experience our customers have and are the everyday face of our institution.