Stability, Reliability and Service. These words define F&M Bank, in everything we do, every day. We are a family-owned bank that goes back three generations. In fact, the second and third generation of the Anderson family currently serve our second and third generations of customers. While the older generation of Anderson's accounts for the stability of the organization, the younger generation helps infuse our mission with new ideas and a younger perspective. We have strong roots in our foundation but are moving forward with innovation, with products like BonuSelect Checking and BonuSelect Saver, and we are keeping on the cutting-edge of new technology to bring secure, online convenience services like online banking and bill pay. Because we belong to this wonderful community, our objective is to serve our customers to the best of our ability, and to be part of the growth and prosperity of our region.