PRESS RELEASE: F&M Bank Welcomes Paul Eberly as Vice President, Agricultural and Rural Programs Leader

PRESS RELEASE: F&M Bank Welcomes Paul Eberly as Vice President, Agricultural and Rural Programs Leader

For Immediate Release

Photo of Paul Eberly

January 16, 2019 | Timberville, VA ‐‐ F&M Bank is pleased to welcome Paul Eberly as Vice President, Agricultural and Rural Programs Leader to its growing organization. Paul brings with him over 13 years of experience in agricultural lending, sales, and credit within the Farm Credit System. Paul will use his expertise to meet the needs of F&M Bank’s agricultural and rural customers in each of its market areas.

“I am excited about the opportunity to work with F&M Bank to be a financial partner for our farming and rural communities.  As the state’s largest agricultural production region, the Shenandoah Valley deserves a financial partner who understands their needs and has a history of over 110 years of building relationships and reinvesting in the community,” said Mr. Eberly.

Raised in Dayton with strong ties to the agricultural community, Paul now resides in Singers Glen with his wife Whitney and four children. Paul is a member of Cooks Creek Presbyterian Church and enjoys spending time with his family on their land. Please look for Paul as he visits our farming communities and seeks input into how F&M Bank can better serve their financial service needs.

About F&M Bank

F&M Bank serves the Shenandoah Valley with 13 full-service branches, a network of ATMs, and a wide variety of financial services including home loans through F&M Mortgage and titling services through VS Title. Both individuals and businesses find the organization’s local decision-making, and up-to-date technology provide the kind of responsive, knowledgeable, and reliable service that only a progressive community bank can. F&M Bank has grown to over $770 million in assets and boasts over 175 full and part-time employees. Its conservative approach to finances and sound investments, along with excellent customer service, has made F&M Bank profitable and continues to pave the way for a bright future.


The F&M Bank Guide to the Best Nonprofit Resources in the Shenandoah Valley and Beyond!

At F&M Bank, community has always come first. We understand the valuable role nonprofits play in creating thriving towns and communities. That’s why we encourage our employees to support local causes and, as a company, F&M donates time and resources to local charities and events. We are proud to have the top spot in deposit share for Harrisonburg-Rockingham County, and we also strive to be the top bank for nonprofit organizations across the Shenandoah Valley. In that vein, we created this comprehensive directory of nonprofit resources to support your organization. From free nonprofit resources to member organizations, you’ll find it all in our best-of list. If you’re looking for a nonprofit bank account, we can help with that, too!

County-level Resources for Nonprofits

In honor of our 110th anniversary in 2018, F&M Corp. donated money to three local community foundations, each featured in this section. The donor-advised funds will provide gifts to community organizations. Other highlights from the year include our sponsorship of a Habitat for Humanity home build nine F&M employees’ involvement with United Way’s Day of Caring. We are grateful for these opportunities to bring our community closer together and strengthen the nonprofit organizations doing important work in the Shenandoah Valley.

Rockingham County

Rockingham County

  • The Great Community Give: An initiative of The Community Foundation, April 17th is “a single day of giving to partnered local nonprofits.” F&M Bank is proud to be a featured sponsor of this important event. You can sign up to be a partnered nonprofit here.

Page County

Page County

  • Luray-Page County Chamber of Commerce: Represents local businesses and non-profit organizations. Member benefits include networking events, free advertising, educational resources, and more.

Shenandoah County

Shenandoah County

  • Shenandoah County Chamber of Commerce Nonprofit Council: A supportive organization for nonprofits to help them grow and connect with the community they serve. Take advantage of the committee’s networking events, such as the Community Volunteer Fair during National Volunteer Week in April. The Nonprofit Council also offers educational presentations, resource sharing, and advocacy on behalf of Shenandoah County’s nonprofit community.
  • Shenandoah Community Foundation: The motto of this Woodstock-based organization is “Connecting people who care with causes that matter.” They support nonprofits in Shenandoah County and surrounding communities by offering grants and endowment management.

Augusta County

Augusta County

State-level Resources for Nonprofits in Virginia

VA nonprofit resources

Our statewide directory includes free online resources for nonprofits, grant resources for nonprofits, and more.

  • ConnectVA: A Richmond-based organization dedicated to a thriving nonprofit community. Use their educational resources, list your nonprofit in the directory, and connect with other nonprofit professionals in the discussion forum. There is even an “Item Exchange” page that works like a Freecycle group specifically for nonprofits. Have a piece of office equipment you no longer use? Looking for something? Trade furniture and equipment here.
  • The Planning Council: Headquartered in Norfolk, The Planning Council can help human services-focused nonprofits with data, research, and grants. Use the contact form on their Community Engagement Services page.
  • Virginia Grants: Search for a state grant that matches your field of interest. Opportunities include alcohol education and prevention, land and water conservation, wildlife protection, Civil War battlefields, community services, and more.

Bonus: National and Online Resources for Nonprofits

Other Nonprofit Resources

Stay rooted in your community while leveraging nonprofit technology resources and other resources for nonprofit organizations from across the country.

  • Google Ad Grants: Qualifying nonprofits can use $10,000 in “in-kind Google Ads advertising every month.” When people search for organizations with similar missions, they’ll see your message. This helps you grow brand awareness and increase your donations and volunteers.
  • gov Assistance Listings: Search for federal government grants and other types of financial assistance for your nonprofit.
  • GrantSelect: Calling itself “the practical online grants resource,” you can search its platform for funding related to your project or mission.
  • Volunteer Match: Consider this LinkedIn for the nonprofit world. Potential volunteers can search for causes in their area (a search for Harrisonburg, VA, for example, returns a variety of results) and connect with related organizations to volunteer and donate. Join for $9.95/month.
  • Nonprofit Answer Guide: Operated by the Center for Nonprofit Management, this treasure trove of educational resources includes every topic you need to learn about to succeed in the nonprofit world. CNM also offers consulting, training, and coaching.
  • BoardSource: This membership program offers year-round support to help you improve your board and mission. Resources include downloadable tools and templates, networking, mentoring, and articles.
  • Alliance for Nonprofit Management: A nationwide group of nonprofit consultants and other professionals. Offers a full menu of events, resources, and programs, as well as an annual conference.
  • Techsoup: Purchase the tech you need at special discounts just for nonprofits.
  • Nonprofit Library: Join for free and get access to over 50 resources written by nonprofit professionals for nonprofit organizations.

Local Nonprofit Support from F&M Bank

F&M Bank Supports Nonprofits

As a longtime community bank, F&M has always been committed to supporting local nonprofits through time, resources, and convenient banking services. With our Local Promise Deposit Account Package, you’ll have access to convenience services, technology, treasury management, merchant services, and more. We’ve also partnered with the Shenandoah Chapter of the Association of Fundraising Professionals to bring you the training resources and networking opportunities you’ve been looking for. Interested in opening a business non-profit checking account? Visit one of our convenient locations in Augusta, Page, Rockingham and Shenandoah counties or in the cities of Harrisonburg and Staunton to speak with a member of our team.

F&M Bank Participates in Scholarship Program

During March, Virginia high school seniors will have the opportunity to spend the day shadowing bankers at F&M Bank as part of Bank Day, a statewide effort sponsored by the Virginia Bankers Association (VBA) Education Foundation and the VBA Emerging Bank Leaders. The purpose of the day is to expose students to the banking industry and provide an opportunity for the students to learn about banking, financial services and the vital role F&M Bank plays in its community.

The third Tuesday in March was declared Bank Day by the Virginia General Assembly in 1991 and F&M Bank is proud to host students for this important program.  From their experience, participating students will write an essay for the chance to win a scholarship. Six regional scholarships of $2,500 each will be awarded, and from those six winners an overall statewide winner will be chosen. The statewide winner will receive an additional $5,000 scholarship – $7,500 in total. There will also be six honorable mention scholarships of $1,000 each. In all, twelve students will receive scholarships totaling $26,000.

During their visit, the students will visit various bank departments; learn about the loan process, the importance of good credit, the profile of a qualified borrower, appropriate etiquette during a job interview, how F&M Bank is involved in the community, the Federal Reserve System, payments, etc.

“Bank Day is one of the best short-term, hands-on experiences that a classroom teacher can offer their students—the opportunity to go inside the bank vault, to watch customer/bank officer interaction, to learn about the many services that banks offer, and to start the networking that often leads to part-time and summer jobs, scholarships, and a start on a career path in the financial world,” said Bruce Whitehurst, president & CEO of the Virginia Bankers Association.

F&M Bank will offer three different locations/dates for bank day shadowing*:

March 12th – F&M Bank Harrisonburg, 80 Cross Keys Road

March 14th –  F&M Bank Timberville, 205 S Main Street

March 19th – F&M Bank Staunton, 30 Gosnell Crossing

If interested in signing up for the program, click here.

For more information, or if you have any questions, please contact Kelsey Dean, Marketing Specialist, at or 540-896-1741.

*Make up dates are scheduled in the event there is inclement weather. March 19th (Harrisonburg), March 20th (Timberville), and March 21st (Staunton).

Announcing The Virginia Food Truck Battle, Sponsored by F&M Bank

Looking for something fun to do over Labor Day weekend? Come to the 4th Annual Virginia Food Truck Battle on Sunday, 9/2.

Looking for something fun to do over Labor Day weekend? Come to the 4th Annual Virginia Food Truck Battle on Sunday, 9/2. Located at the Augusta Expo in Fishersville, VA, the festival features 18 food truck competitors, 8 local breweries and vineyards, a special kids area with entertainment and activities, live music, and artisan/craft vendors. Gates open at 12:30 pm for General Admission Tickets ($10 in advance or $15 at the door) and Beer Tasting General Admission Tickets ($25 and includes a tasting glass, 2 oz sample of the 6 competing beers, and a chance to vote for your favorite brew). If you don’t want to miss a thing, come at 11:30 with a VIP Ticket ($40 in advance or $45 at the door) to receive a sample from 6 of the competing food trucks, 6 beer tastings, and a chance to vote on your favorites from both categories. Children 6 and under are free with a ticket-holding adult.

International Cuisine From Across Virginia

Taste the best of Virginia–and the world–with this year’s diverse selection of food trucks.

Virginia Food Trucks

  • Pachamama Peru: This Charlottesville-based food truck serves Peruvian food made with local meats and produce.
  •  Mouth Wide Open: Also from Charlottesville, the American-inspired gourmet menu reflects the owners’ travels across the country.
  • El Chilango Mexican Food: Traveling to this year’s battle from Arlington, El Chilango’s Facebook page is filled with rave reviews of their tacos.
  • Sourdough Pizza Co.: Fresh, homemade pizza with a sourdough crust from Forest, VA.
  • Hops Kitchen: Based out of Waynesboro’s Basic City Brewery, they describe their menu as “everything but the kitchen sink.” You’ll find flavors from all over the world and the country.
  • Moe’s Original BBQ: With Alabama roots and a headquarters in Charlottesville, Moe’s makes Southern-style barbecue sandwiches and platters.
  • 106 Street Food: This isn’t your grandfather’s street food! 106 serves high quality, freshly made sandwiches with locally sourced ingredients. They also hail from Charlottesville.
  • Sallie’s Kitchen: Soul food from Richmond, VA.
  • Master Sargent BBQ: This is another veteran-owned business serving up South Carolina-style barbecue from Southwest Virginia.
  • The Black Pearl: Fried and steamed seafood from Southeast Virginia.
  • Matchsticks BBQ: This barbecue truck from Williamsburg uses slow cooking to create authentic, wood-smoked barbecue.


Shenandoah Valley Food Trucks

Shenandoah Valley Food Trucks

We’re especially excited to cheer for these local small businesses.


  • Rocks Money Pit BBQ: This award-winning food truck from Greenville keeps their menu short and sweet with iconic barbecue sandwiches and sides.
  • Holy Smokes BBQ: This Waynesboro-based barbecue truck mixes classic and modern offerings in their menu.
  • Gloria’s Pupuseria: Salvadoran food from Staunton, VA
  • Breakfast Bus: A favorite of JMU staff and students, this Harrisonburg-based food truck serves breakfast sandwiches, empanadas, doughnuts, and more.
  • Grillzilla Pizza: Also from Harrisonburg, this food truck makes pizza from scratch with local ingredients.
  • Paella Perfecta: Welcome back another Harrisonburg gem and the 2017 winner of the The Virginia Food Truck Battle. Paella Perfecta serves authentic Spanish tapas and paella.
  • Chubbee Monkee: This veteran-owned food truck is based in Stuarts Draft, Augusta County, and serves cheesesteaks, steak burgers, and other American favorites.


All Proceeds Go To The MaDee Project

Proceeds benefit The Madee Project

What’s better than getting together for live music, tasty food, and refreshing brews? All of these things, PLUS the good feeling you get from knowing the event proceeds will benefit a worthwhile organization. The MaDee Project funds national research to find a cure for pediatric cancer. It also provides financial support to pediatric cancer patients and their families who need help with medical expenses and other costs related to cancer treatment and care. The Project operates in and serves families from Staunton, Augusta County, and Waynesboro. Here at F&M, we’re thrilled to support an event that will benefit a wonderful local cause .

Help Us Spread The Word!

May the tastiest truck win!

We hope to see you at The Virginia Food Truck Battle on September 2nd. It’s a great opportunity to mingle with and support the greater Shenandoah Valley community. As the oldest community bank in Rockingham County, we have a deep love for the Valley and its people, and we’re excited to sponsor this fun and charitable event. Help us spread the word by liking the Food Truck Battle’s Facebook page and inviting your friends.


Daughter of Bank Employee Wins Rotary Club Ethics Award

May 20, 2016

The Harrisonburg Rotary Club recently awarded area students with a “Code of Ethics Award” at the Festival Student and Conference Center at JMU. Leah Ryman, daughter of F&M Bank employee Sean Ryman, was among the 70 recipients chosen from 35 schools in Harrisonburg and Rockingham County! Candidates were chosen by their teachers and voted on by a group made up of teachers and principals. One male and one female student were selected from three grade levels: 5th graders from the elementary level; 8th graders from the middle school level; and 12th graders from the high school level, respectively. The criteria for selection included: Truthfulness, fairness, consistency, dependability, integrity, service to and concern for others, friendliness, depth of commitments and reverence.


Leah Ryman pictured shortly after accepting her award 

The students' parents, school principal, and Rotary host were invited to attend a luncheon in the students' honor, followed by the awards ceremony. 

Congratulations to Leah, Sean, and family!

April is Financial Literacy Month

Financial Literacy Month

April 1, 2015

In celebration of Financial Literacy Month, F&M Bank is proud to announce that its schools-based financial education program is making a positive impact on students’ understanding of critical financial topics. Since its inception in 2012, the Everfi program has reached hundreds of area students at no cost to schools thanks to Farmers & Merchant’s sponsorship.

F&M Bank has partnered with leading education company EverFi to bring the program to local students. The web-based program uses the latest in new media technology – simulations, gaming and adaptive-pathing – to bring complex financial concepts to life for today’s digital generation. The high school course offers over six hours of programming with ten units in a variety of financial topics including credit scores, insurance, credit cards, student loans, mortgages, taxes, stocks, savings, 401k’s and other critical concepts that map to national financial literacy standards.

In addition to the Everfi program, F&M Bank employees also spend several days in April visiting elementary schools as part of the American Bankers’  Association’s Teach Children to Save month. Teach Children to Save lessons involve stories and activities that are designed to meet educational standards in personal finance and reinforce concepts being taught in math, language arts and other disciplines.

To find out how you can be a part of F&M Bank’s financial education initiatives, contact Holly Thorne, Marketing Director, 540-896-8941.

National Telephone Scam Has Made Its Way to the Valley

telephone scam
You may be aware of a pervasive telephone scam that involves individuals posing as the IRS and targeting taxpayers throughout the country. We’ve learned this scam has now made its way to the Valley. Thanks to one of our customers for reporting this to us after a family member was recently targeted.

February 4, 2015

You may be aware of a pervasive telephone scam that involves individuals posing as the IRS and targeting taxpayers throughout the country. We’ve learned this scam has now made its way to the Valley. Thanks to one of our customers for reporting this to us after a family member was recently targeted.

How It Happened
Our customer’s family member received a call from someone claiming to be with the IRS. He told her she had committed tax fraud in 2010 and owed $4,000, of which $1,800 had to be paid immediately or she would be arrested. Since, according to the scammer, the victim’s bank account had already been frozen by the IRS, they would not accept a check, only a wire to a specific address.  When the target told the scammer she was going to contact the Sheriff’s department, he threatened her and told her she could not bring a third party into it or she would be arrested.

The target traveled to her nearby branch to find that her account was in fact not frozen.  She then went to her Sheriff’s department to report the incident.  While she was there she received another phone call from the scammer, this time it was from a local area code.  When she told the officer what number it was coming from, he recognized the number as coming from one of his own officers and said that it couldn’t be him because he knew where he was. The officer she was talking to took the phone to talk to the scammer, but he hung up.  Somehow the scammer made it look like they were calling from the Sheriff’s department.

This is a scam you may have seen on the news recently, and just as described in other instances, this incidence has now occurred locally. The IRS believe the calls are originating in Europe and advises that they will never place a call to collect funds.

Read more:

>> Safeguard your identity with Identity Theft Protection Services from F&M Bank


Financial Considerations Before Traveling Abroad

Financial Considerations Before Traveling Abroad
The number one most important step to take is to notify your bank of your intended travel plans. Not doing so may result in the freezing of your debit card. Our clients’ security is a number one priority for us at F&M Bank, so if we see someone using your account outside of your normal activities, we are going to take precautions to protect you against fraud.

Traveling abroad can be full of excitement and fun, but it takes a decent amount of preparation.  It is important to research hotel ratings, the best price in airfare, and tips for packing appropriate attire; but don’t forget to make sure you make financial preparations as well.

There are many financial considerations to take into account before embarking on your trip.  You will need to consider security, foreign transaction fees, and exchange rates- and you will want a financial plan in place before take-off.

The number one most important step to take is to notify your bank of your intended travel plans.  Not doing so may result in the freezing of your debit card.  Our clients’ security is a number one priority for us at F&M Bank, so if we see someone using your account outside of your normal activities, we are going to take precautions to protect you against fraud.  Simply call your bank branch and your Customer Service Representative will be glad to assist you by putting an alert of your travel plans on your account to avoid any complications.

At F&M Bank, we do not charge additional fees for using your debit card internationally.  However, you will likely be charged foreign transaction fees (usually ranging from 1% to 5%) and ATM fees by the vendor you are using to withdraw funds.  Additionally, many foreign ATMs only allow PIN transactions, so make sure you have your PIN number handy before traveling.  

Here are some other suggestions to keep in mind:  

•    Travel with at least two forms of payment.  If something goes wrong with one, you will want back up.
•    Take photocopies of all of your important documents including your passport, credit cards, debit cards, birth certificate and driver’s license and store them in a different location than the documents themselves.  This way, if something happens to the originals you will be able to prove your identity. 
•    Check your health insurance to make sure you will be covered while you are traveling.  If not, consider purchasing a rider. 
•    The most expensive place to purchase currency is in the airport at your destination.  Consider exchanging money through an international bank prior to departure.

If we can answer any questions to help you prepare for your next travel adventure, please contact us.  We are always here to help as Your Community Bank.  Bon voyage!

F&M Bank’s Community Shred Days

One in 14 will become a victim of identity theft. Protect your identity by safely disposing of personal documents at our Community Shred Days starting this spring!

Stop by one of these branches to safely dispose of your personal documents with Shred-It, formerly Cintas Document Shredding.

Friday, May 8th, 3pm-5pm

Saturday, May 9th, 9am-noon

Friday, May 15th, 3pm-5pm

Saturday, May 30th, 9am-noon

Friday, June 5th, 3pm-5pm

Friday, June 12th, 3pm-5pm

Port Road
Friday, June 19th, 3pm-5pm

Saturday, September 12th, 9am-noon

Staunton (new location at 2813 N. Augusta Street)
Friday, September 25th, 3pm – 5pm
Donations and canned goods will be collected for Valley Mission

Saturday, September 26th, 9am-noon

Find Directions to a Branch Near You. See you at Your Community Bank’s Shred Day!

>> Read our blog post about protecting your home and work computers from Phishing scams.

>> Learn more about F&M Bank’s Identity Theft Protection Service, ID SafeChoice.