Built for Warrenton’s Businesses, Farms, and Families

A Virginia-based bank with over a century of steady growth, local decision-making, and the strength to support your business, your land, and your family for generations.

Why We’re Here

We expand where relationships matter.
Warrenton reflects the communities we serve best. Farmers. Business owners. Landowners. Builders of something long-term.
We’ve been your neighbors since 1908. Now we’re here to build alongside you.

What Makes Us Different

Local Decisions
Work directly with experienced lenders who understand this market and make decisions locally.
Regional Strength
Access the capital and lending capacity to support larger, more complex needs without added layers.
Consistent Performance
A long track record of steady, disciplined growth.
Agricultural Roots
Founded to serve farmers and merchants and that focus continues today.

Warrenton Office Opening Summer 2026

F&M Bank is proud to serve Fauquier County from our Warrenton office located in Blackwell Office Park at 28 Blackwell Park Lane, Suite 101.

Since 1908, F&M Bank has been helping individuals, families, businesses, and farmers achieve their financial goals through local decision-making, personal service, and strong community relationships. While banking has changed over the years, our commitment to knowing our customers and supporting the communities we serve remains the same.

Whether you're opening a checking account, financing a home, growing a business, or managing a farm operation, our team is here to provide practical solutions and personalized guidance. We offer a full range of personal, mortgage, commercial, and agricultural banking services backed by modern digital banking tools and local expertise.

Our Warrenton team—Lauren Buffum, Bruce Lawson, and Neal Lineberry—looks forward to getting to know the people, businesses, and organizations that make Fauquier County such a special place to live and work.

We believe community banking is about more than transactions. It's about building relationships, supporting local growth, and being there when our customers need us most. We're honored to be part of the Warrenton community and look forward to serving Fauquier County.