F&M Bank

Founded in 1908 as a community venture to serve the farmers and merchants of the Shenandoah Valley, today F&M Bank remains more committed than ever to the success of the agricultural industry, small business ventures, and the nonprofit sector.

F&M Bank is headquartered in the Shenandoah Valley, with a network spanning the I-81/64 corridor from Winchester to Waynesboro and beyond. The only publicly traded organization based in Rockingham County, the Company’s core values drive its corporate philanthropy, volunteerism, and local decision-making.

We support clients with a robust digital banking suite, full-service branches, and essential services like mortgage loans, title services, wealth management, business banking, and agricultural lending. With philanthropic efforts totaling over $300,000 annually, and a team dedicated to volunteering, our responsibility is to provide a bright future right here where we all live, work and play.

Check out our publicly traded organization on the OTC Market Index: #FMBM.

• Melody Emswiler
  Phone: (540) 896-1768
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• Teresa Helmick
• Donna O'Byrne
  Investment Support Specialist
• Ms. Holly Thorne
  Senior Vice President & Director of Marketing
  Phone: (540) 437-3462
  Send an Email