• Providing programs and services to enhance the business and professional development of our members.

  • F&M Bank


    Financial ServicesLoans

    About Us

    Headquartered in the Shenandoah Valley, F&M Bank (FMBM) is the best bank for keeping your business local. Since 1908, we have been grateful to play a part in the growth and success of our region.

    Banking You Love From People Who Care.
    The people at F&M Bank create value in every service we offer and product we sell. From comprehensive personal and commercial banking to loan options for individuals and businesses, our team is committed to building brighter futures in the community we call home. We apply sound banking principles to encourage our local economy and strengthen our relationships.

    A Virginia Tradition Since 1908.
    In 1908 local farmers and businessmen met in Timberville, VA to discuss their vision for community banking in the Shenandoah Valley. Farmers and Merchants Bank was established on April 15, 1908, to serve the general banking needs of the community. Since then, F&M Bank has been affectionately referred to as “my bank” by the personal and business customers who continue to rely on the products and services we offer.

    Our Brand Is Rooted In Our Community.
    The F&M Bank logo is a symbol of a tree that reinforces our commitment to our community. F&M Bank is as strong and solid as the timber that once grew on the ridge North of Timberville, VA. The tree’s broad canopy symbolizes shelter and signifies the full coverage banking services we provide.


    F&M Bank and Mortgage teams volunteer at 2020 Day of Caring
    The F&M Shenandoah County and Timberville team provide lunch for seniors at the Shenandoah County Fair
    We love to support the annual Santa to a Senior program during the holidays!
    Pumpkin painting ensues during a bank branch's family community day!
    A little history on F&M's logo
    Teammates hard at work! Pictured left to right: Kim Hammer, Business Specialist; Melody Emswiler, HR Director; Mark Hanna, President & CEO
    We're here to help local businesses reach their financial goals!

    Rep/Contact Info

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    Jonathan Reimer
    Vice President & Commercial Relationship Manager
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    Holly Thorne
    Senior Vice President & Marketing Director
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    Mike Wilkerson
    Executive Vice President & Chief Strategy Officer, Northern Market Executive
  • Testimonials

    "The Top of Virginia Regional Chamber is an incredibly valuable resource for the Shenandoah Valley..." – Adrienne G. Bloss, PhD, Provost, Shenandoah University.