Meeting the financial needs of our customers by providing appropriate financial solutions is the core of our service philosophy at F&M Trust. We are a community bank offering personalized service for over 115 years. As we grow and expand into new communities, we remain focused on meeting the needs of the community, its families and its businesses. If you're currently an F&M Trust customer, we certainly appreciate your business and hope that you will continue to look to us for Financial Solutions to meet your needs. If you have not yet experienced F&M Trust, we encourage you to visit our nearest community office or give us a call...we look forward to the opportunity. Sincerely, Timothy Henry President and CEO