• Residential Real Estate Loans - Let F&M Bank help you buy, remodel or refinance your home!
  • Consumer Loans - Buy a new car or go on a vacation with the help of a personal consumer loan!
  • Agricultural Loans - Livestock, Operating, Machinery & Equipment, and Farm Real Estate loans...we can help you with all of it!
  • Commercial Loans - Expand your existing business or start up a new business!



  • Checking - Multiple account types for you to choose from to meet your banking needs.
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  • Certificates of Deposit - Call us for our competitive rates.
  • Individual Retirement Accounts



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