F&M Bank and Trust Company is a family owned institution founded in 1947 by Mr. Elmer Loftin with a vision of creating a bank that offered competitive products delivered with superior customer service. Years later, we strive to continue to fulfill this vision. F&M serves not only the City of Manchester and Meriwether County, but also Talbot, Harris, Muscogee, and Troup Counties in Georgia as well as Russell and Lee Counties in Alabama. F&M's main office maintains a full service lobby and drive through facility. In addition, the bank has a loan production office located in Columbus for the convenience of our customers in that market.