F&M Bank

Founded in 1908 in Timberville, Virginia, F&M Bank (Farmers and Merchants Bank) is an independent, locally-owned community bank with a long history of serving the Shenandoah Valley. The bank is committed to being a trusted financial partner, providing modern banking solutions while maintaining a focus on personal customer relationships and community development. It offers a comprehensive suite of services including personal and business checking and savings accounts, mortgages, commercial loans, agricultural lending, and wealth management.