Your bank is Safe and Secure. With all the press covering a wide array of negative financial issues, we want to assure you that we are not part of this financial problem. The F&M wants to be part of your solution. We want to help make it easy to be smart with your money.

What credit crisis? We have been and want to continue to make loans to credit worthy individuals and businesses, nothing has changed.

We did not make sub-prime mortgage loans; we do not hold any type of Fannie or Freddie stock and did not buy exotic securities.

We do have FDIC insurance up to $250,000 per depositor and $250,000 for retirement accounts. If as a depositor these limits concern you we have available the CDARS program that will expand your FDIC coverage to $50 million.

To learn more about FDIC coverage you may “click” on their logo below. The F&M is a publicly traded company under the symbol FMAO. If you would like to see our files or just how strong we are “click” Shareholder Information on the left margin of this page.

Paul S. Siebenmorgen
President & CEO