Farmers & Merchants Bank is proud to be an independent community bank. The bank was chartered on April 15, 1908, as a state chartered bank in Timberville, VA and is the oldest banking business native to Rockingham County, VA.

“1908-1912: Newspapers shortened the cumbersome name on the charter from “Farmers & Merchants Bank of Timberville, Incorporated” to “Farmers & Merchants Bank,” but more often townspeople simply and affectionately referred to “The Bank.” And they referred often and sometimes slipped into “our bank.” For a sense of ownership imbued them all- from the child with a ten-cents-a-week savings account to the stockholders whose holdings increased more than 550 percent in the bank's first eight months.  During that beginning period, capital grew from an initial $10,000 to $66,229.”

An excerpt from “Banking on the Future, A 100 Year History of Farmers & Merchants Bank” by Nancy Bondurant Jones

We serve the Shenandoah Valley with convenient locations, a network of ATM’s, and a wide variety of financial services including banking, investments, and insurance products. Both individuals and businesses find that our professional staff and up to date equipment provide the kind of responsive, knowledgeable, and reliable service that only a progressive community bank can.

F&M Bank has grown over the years to over $600 million in assets, and boasts over 150 full and part-time employees. Our conservative approach to finances and sound investments, along with excellent customer service, has made us profitable and paves the way for a bright future.