Coronavirus Food Assistance Program for Farmers

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Are you a farmer or rancher whose operation has been directly impacted by the coronavirus pandemic? The Coronavirus Food Assistance Program (CFAP) will provide direct relief to producers who faced price declines and additional marketing costs due to COVID-19.

USDA is now taking applications for the CFAP. As part of applying for the program, you’ll need to contact the Farm Service Agency county office at your local USDA Service Center to schedule an appointment.

Your local FSA staff will work with you to apply for the program and will ask for the following information:

  • Contact
  • Personal, including your Tax Identification Number
  • Farming operating structure
  • Adjusted Gross Income to ensure eligibility
  • Direct deposit to enable payment processing

Please, do not send any personal information to USDA without first initiating contact through a phone call. FSA has streamlined the signup process to not require an acreage report at the time of application, and a USDA farm number may not be immediately needed. If you are an existing customer, this information is likely on file at your local Service Center.

What Can You Do Now?

You can start gathering and understanding your farm’s recent sales and inventory. The USDA website is a great resource to reference as you prepare to apply. The application deadline is August 28, 2020.

How Will USDA Accept Applications?

USDA Service Centers are open for business by phone appointment only. Please call your FSA county office to schedule an appointment. The staff are working with agricultural producers by phone and using email, fax, mail, and online tools to accept applications.

New to Working with the Farm Service Agency?

FSA has county offices located at USDA Service Centers across the country, including offices in Shenandoah, Rockingham and Augusta Counties.

How Can We Help?

The COVID-19 pandemic has presented challenges for our community, but our Agricultural Financing Division at F&M Bank is your partner in both good times and bad. If there is anything we can do to help you, our your farm operation, please do no hesitate to contact us.

 

VCE Financial Education – Local Business Spotlight

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VCE Logo

We’ve seen our local business community quickly adapt from traditional storefront sales to curbside or online commerce. Your creativity is contagious and your passion for your craft deserves recognition! Interested in a blog post for your local business?

This week, we spend a few moments talking with Karen Poff, Senior Extension Agent and Manager of the Virginia Cooperative Extension – Northern Shenandoah Valley Financial Education Program. The organization is currently offering a free “Coping with a Money Crunch” webinar through Zoom! This is a great resource to help manage financial stress surrounding the COVID-19 pandemic.

Can you tell us about your business?

As a state agency, Virginia Cooperative Extension offers local financial education programs to strengthen personal finances throughout Clarke, Frederick, Page, Shenandoah, and Warren Counties. Families who achieve financial stability are better able to meet their own housing, social welfare, and health care needs. They are also less likely to experience conflict over finances and thus better able to provide for their children’s physical and emotional needs. Families who are able to make their payments on time, meet their tax obligations, and reduce their debt contribute to the overall well-being of the local economy. By strengthening personal finances through education, our programs support family self-sufficiency.

How has your business adapted to social distancing?

We are offering a webinar called ”Coping with a Money Crunch” which provides Northern Shenandoah Valley residents information and tools to help them handle the personal finance stresses caused by the COVID-19 pandemic. Registrants can participate using Zoom from their web browser or by downloading the Zoom app for their tablet or smart phone. If they don’t want to use Zoom, they can call in using a landline or cell phone. People can visit this link to see all of the available dates and times and to register for the webinar. Only registered participants will receive a participation link. They can also download the program flyer or contact me at kpoff@vt.edu or 540-635-4549 to receive a copy by e-mail or mail.

What is your quarantine survival method?

Eating right, getting enough exercise, getting enough sleep (but not too much!) and most importantly attending the online services and events offered by my church.

 

Phone Scam Alert

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It has been brought to our attention that some of our customers have received calls from a scammer posing as an F&M Bank employee. In each call, the scenario is similar. The caller mentions the customer has fraud on their F&M Bank card and requests the customer’s online banking credentials. The caller also claims they would be the best person to help alleviate the fraud, as the customer’s local branch of F&M Bank is busy with high volume calls.

This is a typical phone scam. F&M Bank will never call a customer and request sensitive information, such as online banking credentials, or an account or card number. If you receive a call from anyone requesting that type of information, you should hang up immediately.

Additionally, take note of the caller’s urgency and attempt to legitimize the conversation. He is the only person available to help as the branch is “busy with high volume calls”. Scammers often want to intimidate their victims hoping to urge swift action. If you feel pressured to make a quick decision, it is always best to end the call. Most legitimate businesses will never ask you to make a decision on the spot.

If you’re feeling unsure after ending the call, you can always reach out to your local branch of F&M Bank. Our staff will be able to confirm the illegitimacy of the call.

TenderCare Veterinary Center – Local Business Spotlight

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Tendercare Vet Center

We’ve seen our local business community quickly adapt from traditional storefront sales to curbside or online commerce. Your creativity is contagious and your passion for your craft deserves recognition! Interested in a blog post for your local business?

This week, we spend a few moments spotlighting TenderCare Veterinary Center and Dr. Terri Sears, DVM. Did you know virtual appointments are an option during this period of social distancing? Continue reading to learn more!

Can you tell us about your business?

We are a small, high touch and high-tech veterinary practice focused on preserving the human-animal bond that enriches so many families in our community. We love and care for your pets as if they were our own and understand how much they mean to you and add to your life. We work hard to keep them healthy and happy from the puppy and kitten stages until their golden years.

In addition to our knowledgeable and caring staff, we offer full medical, surgical and dental services. We have an in-house lab and state of the art equipment – digital x-rays, laser therapy and more! We have everything needed to provide the best care possible for our patients.

You can call or text our main number, 540-943-9080, email us at infotcvc@gmail.com or stop in any time! We love getting to know new clients and their furry family members.

How has your business adapted to social distancing?

Currently, clients are calling once they arrive and staying in vehicles during the appointment. We are communicating by telephone and retrieving their pets from the parking lot for examinations and treatments.

We also offer telemedicine or virtual appointments for established patients where appropriate. We also provide home delivery of pet health products on our website!

When not working, what’s your quarantine survival method?

I really enjoy spending quality time with family!

Local Business Profile – Blueline

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If you’ve lived in the Valley for any length of time, you’ve probably heard of Blue Ridge Architects. And if the name isn’t familiar, you’ve definitely experienced their work. A long-time Downtown Harrisonburg resident, Blue Ridge Architects — recently rebranded as “Blueline” — was founded 15 years ago and has had a hand in designing and building such prominent Downtown fixtures as Turner Pavilion, the Friendly City Food Co-Op, and the JMU wing of the Ice House building.

In December of 2018, Blueline faced the challenge of adding 5 to 7 professional designers to keep up with demand for its services. With notable projects underway from Ohio to Georgia, adding staff one at a time was going to make it difficult to train and integrate new team members efficiently while meeting looming deadlines. In March of 2019 Blueline CEO Randy Seitz AIA, received an email from a mergers and acquisition broker highlighting a firm in Houston Texas with a staff of 7, a strong backlog and specialty in churches — just what Blueline needed.  As Randy and Vice President Anna Campbell, AIA entered into conversations with Turner Duran Architects, they found a firm with solid technical experience, a striking portfolio and dedicated team looking for continuity and new opportunities. More importantly, their clients described a firm that operates with the same values as Blueline — Honor, Humility and Generosity.

By October 1, 2019, the deal was finalized and Turner Duran became part of the Blueline team. Adding Jack Duran AIA and his team to the firm provides both immediate capacity and a giant step towards the goal of providing turnkey project building delivery services to purpose driven organizations nationwide. To get a better sense of how this “blended” firm can help you plan and build a facility that amplifies your mission and purpose, visit www.blueline.team

Would you like your local business to be featured in our monthly newsletter? Email marketing@fmbankva.com for more information!

It’s Not True Love if They Ask for Money

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Article from FTC website, by Cristina Miranda; Division of Consumer and Business Education

It’s almost Valentine’s Day. Lots of people have profiles on online dating sites, apps or social media to find “the one.” But that interesting person who just messaged you could be a sweet-talking romance scammer trying to trick you into sending money.

Reports of romance scams are growing, and costing people a lot of cash. According to new FTC data, the number of romance scams people report to the FTC has nearly tripled since 2015. Even more, the total amount of money people reported losing in 2019 is six times higher than it was five years ago – from $33 million lost to romance scammers in 2015 to $201 million in 2019. People reported losing more money to romance scams in the past two years than to any other fraud reported to the FTC.

In a sea of online profiles, romance scammers can be hard to detect. But, there are signs you can look out for. Romance scammers start by using someone else’s identity to create fake profiles. They’ll send you flattering messages to make a special connection, say all the right things, and gain your trust. They might claim to be a doctor, a servicemember, or an oil rig worker living overseas. They want to make future plans with you. But then, something comes up and they ask you for money to help them out. Which nearly always means asking you to buy gift cards (and give them the PIN, so they get the cash), or wiring them money.

Here’s the thing: Never send money or gifts to a love interest you haven’t actually met. It’s a romance scam.

  • Stop communicating with the person immediately.
  • Search online for the type of job the person says they have. See if other people have heard similar stories. For example, you could do a search for “oil rig scammer” or “US Army scammer.”
  • Do a reverse image search of the person’s profile picture. If it’s associated with another name or with details that don’t match up, it’s a scam.
  • Never wire money to a stranger, or pay anyone with gift cards. If someone asks you to wire money or pay with gift cards, report it to the FTC at ftc.gov/complaint.

For more information, read What You Need to Know About Romance Scams. And check out this video.

F&M Bank to Participate in Scholarship Program

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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, students will visit with various bank departments; learn about the banking 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 and more!

“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 Timberville, 205 S Main Street
  • March 17th – F&M Bank Harrisonburg, 80 Cross Keys Road
  • March 19th – F&M Bank Staunton, 30 Gosnell Crossing

Sign up for the program.

For more information, please contact Kelsey Dean, Marketing Specialist, at kwdean@fmbankva.com or 540-217-6410.

Tax Season Is Also Theft Season

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Tax-related identity theft occurs when someone uses your stolen personal information, including your Social Security Number, to file a tax return claiming your refund. According to the IRS, reversing the damage caused by tax related identity theft can be a frustrating and complex process for victims. In addition, scammers will use tax season as an opportunity to commit fraud, pretending to be the IRS, and asking consumers for cash, or asking consumers to convert cash to gift cards which is an easy way to transmit cash without the possibility of detection when the card is used. Protecting your identity is critical year-round but especially important during the busy tax season.

It’s important to protect yourself and prevent instances of tax related crimes. Give yourself a fighting chance and learn the best way to stay protected from the devastating effects of tax-related identity theft.

According to the Federal Trade Commission (FTC) and Internal Revenue Service (IRS), some examples of scams this tax season are:

Robocalls – Scammers use computers to dial thousands of phone numbers, pretending they’re calling from the IRS, hoping to find victims who respond to their threatening statements. These criminals claim you owe taxes and demand that you pay immediately, usually with a gift card or prepaid debit card. The IRS does not initiate contact with taxpayers via phone.

IRS Imposters – These are the scammers who send out emails, pretending they are from the IRS. The imposters may use part of your real identity to convince you that their claim is valid. They will tell you that you owe taxes and demand that you pay up or face prosecution. Or they will ask you to verify that you have paid your taxes, asking for personal information and bank account numbers to obtain data that can be used later to commit identity theft.

The IRS does not initiate contact with taxpayers by email to request personal or financial information. This includes any type of electronic communication, such as text messages and social media channels.

Refund Thieves – Criminals will gather or purchase your stolen personal information, create a bogus tax return and file the return with the IRS, claiming your refund. When you then file your legitimate return by mail, the IRS will send you a notice or letter saying that more than one return was filed for you. If you try to e-file, the IRS will reject your tax return as a duplicate filing. In either case, you are left with the difficult task of convincing the IRS that it wasn’t you that filed the return and received the refund the first time.

If tax fraud or any other identity theft strikes you are not alone. F&M Bank is here to help. Identity Theft Protection services are provided free with our Cash Back and Cash Rewards checking accounts, or options are available for purchase.

F&M Bank: A Virginia Tradition Since 1908

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Photo of Mark Hanna, President and CEO

An interview with Mark Hanna, President and CEO of F & M Bank Corp
(OTCQX: FMBM)

Interview conducted by:
Bud Wayne, Editorial Executive, CEOCFO Magazine
Published – December 9, 2019
Re-published with permission

CEOCFO: Mr. Hanna, would you tell us about your role at F & M Bank Corp. and how it developed to where you are today as President and CEO?

Mr. Hanna: I joined the bank roughly two years ago on December 1st, 2017. The former CEO Dean Withers had announced his retirement and a search for his replacement was underway. At the time, I was in banking in the Hampton Roads area of Virginia. I had long worked with big banks and served as President and CEO of a de novo community bank, founded in 2005, that sold to another bank in 2014. After a period of working for the bank that had acquired my former company, I decided it was time for me to pursue some personal and career goals.

I knew Dean through a couple of banking organizations, so I reached out to him and expressed my interest in the opportunity. The board brought me in to interview along with several other candidates, and ultimately offered me the job. Dean stayed onboard for the first six months to help me through the transition. We had, and still do have, a close working relationship as he remains on F&M Bank’s board and is currently serving as our vice chair. Since then, the Leadership team and I have been working hard to guide and direct an organization that has 111 years of history for continued success in a dynamic banking environment.  

CEOCFO: Would you give us a little background and history of the bank and how it developed from its founding? Has the vision changed much from its founding vision?

Mr. Hanna: We go by F&M now; it originally started as Farmers & Merchants in 1908 in Timberville, Virginia in the Shenandoah Valley, to serve farmers and merchants in the immediate area. Where I sit today is less than a mile away from our original headquarters. We are in Rockingham County, Virginia which is the largest agricultural county in the commonwealth of Virginia. There is still a strong agricultural base in this area, but the community has grown and evolved over the years. Harrisonburg, one of the faster growing communities in the commonwealth, is less than fifteen miles away from Timberville. Harrisonburg is home to James Madison University, which has an undergraduate enrolment of almost 25,000 students and is one of the stronger economic centers of our community and in the Commonwealth of Virginia.

CEOCFO: Has the vision changed much from its founding vision?

Mr. Hanna: Yes, it has evolved but also remains very much the same. We are still here to serve the needs of the community and we bank small to midsized businesses that include agriculture, manufacturing, distribution, commercial real estate development, and residential real estate development and more. We also provide personal banking products for individuals, ranging from deposit accounts to home equity lines to any credit needs they may have. Over time we have developed an indirect dealer division for auto loans and a mortgage company –– F&M Mortgage – for consumer mortgage loans. The bank itself has a strong portfolio of customized personal mortgage loans. It is a very popular product around here given that there are a lot of non-conforming properties such as larger tracts of land or family farms. We aim to provide the deposit, investment and loan products and services consumers in the Shenandoah Valley need.  

CEOCFO: Are you more of a business/commercial bank than a consumer bank? What is the mix and would you like to see that change?

Mr. Hanna: I think it is split about 50/50. We do a lot of both. We have a full menu of personal services.  We have a strong loan portfolio of what we call “shelf mortgage loans” which are non-conforming mortgages and we also offer a variety of conforming mortgage products through F&M Mortgage.  We also provide a variety of services to many different for-profit and not-for-profit entities. F&M has historically provided significant financial and volunteer support for charitable organizations in our communities and this year we launched a new, comprehensive suite of banking services – which even includes training for their employees and directors – to support these organizations with their financial needs.    

CEOCFO: How big a part is mortgage lending for you and is it in the commercial or consumer side of the business?

Mr. Hanna: We serve both the commercial and consumer sides of mortgage lending. With the small to midsize commercial focus that we have, we do a lot of commercial mortgages, those are all portfolio and we service all our loans in-house. We have the separate division, F&M Mortgage, that is very active in the consumer market with conforming loans which traditionally offer the lowest rates and longest terms.

CEOCFO: What role does wealth management play in your strategy? Is this more for customer relations?

Mr. Hanna: We have a phenomenal investment division with very knowledgeable and high-performing financial advisors. We strive to serve the full spectrum of our clients’ financial needs, so we are happy to leverage the trust that we create with their banking relationship to help them with their short-term and long-term investment needs. Being around since 1908 in our communities, clients trust that we will continue to serve their best interests today and for future generations.  

CEOCFO: What are some of the things you are doing in the area of customer satisfaction and customer retention?

Mr. Hanna: As a community bank we are about $815 million in assets. Client service is everything and if we fail to provide superior client service, we commoditize ourselves. We survey customers during the onboarding process to determine what they thought of our process, the people that they dealt with, and the products that they were offered. We also host community and client focus groups to help us identify opportunities and consumer needs. Throughout the year we do a lot of things to remain engaged with our clients. We host a variety of client appreciation events that include free document shredding days and special events geared towards kids such as free photos with Santa around the holidays. We also partner with local universities. In 2018 we had the largest tailgate in the history of James Madison University football. Once we learned of this, we had to go out this year and beat our own record. It will be tough, but we will try to keep setting the goal higher in 2020. James Madison has had a very successful football team so those client appreciation events have been extremely well attended and are a great way for our clients to network with leaders in our community.

One of the things that we take very seriously is giving back to our communities. We are a very benevolent organization that gives back and supports many causes. Sometimes we work through our clients to support charities that are important to them, which contributes to our service and retention. We have a symbiotic relationship with the Shenandoah Valley. As these communities prosper, the bank tends to flourish. Likewise, if the bank is growing and strong, we re-circulate everything from deposits, to dividends, to shareholder wealth back into the communities. That certainly has a multiplier effect which serves to grow our local economies.

CEOCFO: The world seems to be taken over by the millennial generation and now the generation Xers, who are more into technology. Do you offer the technology and FinTech products that they are looking for?

Mr. Hanna: Yes, and that is a challenge, but we do. The budget to be at the cutting-edge of new technology is overwhelming. We are probably what I would classify as a technology follower. We work with multiple vendors to provide all the bells and whistles, but we try not to make the large R&D bets in developing new technologies. We like to determine what technologies our clients want and invest heavily in those areas.

Getting back to the millennial generation, one of the things that we embrace is social media to promote the bank, to interact with our clients, and to interface with our communities. We are very active there. As you look at millennials –– and this does not necessarily relate to technology –– but one of the things that we recognize is that millennials tend to look for organizations with strong values that are active in their communities, making their communities better. These are attributes that F&M has embraced for 111 years and have really helped us connect with millennials and generation Xers at the local level.

CEOCFO: Would you tell us about the communities that you serve in Virginia. Are they more rural or urban? What are some of the businesses in the area and the employment availability for residents? Do they depend more on D.C. for employment or local businesses? And do they support their local banks?

Mr. Hanna: We are not far from the D.C. suburbs, but I would not say that our economy is heavily driven by D.C. There are folks that commute to the D.C. area but most of our economy is locally based. Two of the counties we serve, Rockingham County and Augusta County are number 1 and 2, respectively, in Virginia in terms of agricultural production in the state. Agriculture drives a significant amount of ancillary businesses that includes businesses such as veterinary services, feed, storage, processing, equipment sales and service, livestock auctioning, transportation and more.

We have a few small urban cities such as Harrisonburg and Staunton in our footprint that are fairly well diversified in terms of industries represented. Neither are large cities but they are both vibrant and growing. Harrisonburg has been impacted by James Madison University, which has been one of the fastest-growing universities in the state and in the Southeast. The University has grown to almost 25 thousand undergraduates. As it has grown, the amount of new infrastructure on and around the campus has certainly been a large contributor to our local economy. Staunton is also a city with a strong economy, a business-friendly environment, and affordable tax rates. Several well-known companies like Hershey and ComSonics have relocated or expanded there. We are fortunate to have several other Fortune 500 businesses like Molson Coors and WalMart Distribution in our footprint as well. We find that other locally based companies often support local banks like us due to our knowledge of the local markets, the flexibility we can provide and our focus on service and relationships.

CEOCFO: How many branches do you have and are you looking to grow that number in the near future?

Mr. Hanna: We currently have 14 retail bank branches, three F&M Mortgage offices, three VS Title offices and our Dealer Division offices. Timing is everything, so as we sit here today, we look to be opportunistic in our growth. We recently added our fourteenth branch in August of this year. That was the last of five branches added to our footprint through de novo expansion. De novo growth occurs when we open a new banking office with zero assets and try to grow the business from the ground up. We opened five new branches reaching into the southern part of our footprint, primarily in the Augusta County market, between June of 2015 and August of 2019.

We have been aggressive in trying to grow our infrastructure but as of today, we are more in an absorption role as we aim to aggressively leverage those investments and get the returns that we were looking for. Should an opportunity present itself, there are other segments of our community where we would like to expand with either physical retail facilities or through a loan production office. Although we are not actively seeking new investments at this time, we will continue to keep our ear to the ground.

CEOCFO: What is your management style? Are you more hands on or depending on your officers?

Mr. Hanna: I like to be out working with our team and meeting with our clients. I enjoy getting to know both our clients and our associates.  We have a great staff here at the bank and I delegate to the folks who are well equipped to handle different situations. The way banking is today, I don’t honestly believe anyone can be an expert in all the different functional areas we have to oversee. On a daily basis, F&M has to manage existing and emerging technologies, regulatory compliance, loan underwriting, portfolio diversification, liquidity, asset and liability pricing just to name a few. All this needs to be done behind the scenes so that we can focus our client-facing teammates on maintaining dynamic sales and client retention efforts. One person cannot keep up with it all, so I rely heavily on F&M’s Leadership Team as well as our Board of Directors.

CEOCFO: Do you have a Chief Security Officer?

Mr. Hanna: We do! We have an information technology department and an information security officer that is independent from IT who identifies risks and establishes protocol to keep our Bank and client information secure. It takes a lot when you consider all the potential threats coming at us like Ransomware, malware, phishing attacks and so on. In addition to technology, we have to actively manage risks that may be presented to us through our vendors and facilities. Bank security is a huge and growing area.

CEOCFO: What do you look for in your tellers, bankers, lenders and support staff?

Mr. Hanna: We are a relationship business. We have to provide outstanding, unrivaled customer service and a lot of that is cultivating relationships, knowing our clients, serving their needs and being there for them in good times and bad. A lot of what we look for are people who have a passion for serving the needs of their clients as well as their communities. Outside of that there is a growing list of technical skills and knowledge required to run a bank in 2019. It used to be that we could train our associates in the skills it took to run a Bank but more and more we have to recruit specific technical skills.  

CEOCFO: How did your bank manage to survive the TARP period?

Mr. Hanna: We have been a strong and high-performing financial institution for many years. While the opportunity was available, the bank was well capitalized and chose not to take preferred shares through the TARP program. We had a capital base to draw from and continued to run a strong, well-capitalized bank during those difficult years. Like every organization that I know of, we encountered our share of challenges, but overall, F&M came through that period stronger than most.  

CEOCFO: What is your current funding position? Is reaching out to investors an important role for you as CEO?

Mr. Hanna: We are very well-capitalized, so we are not actively trying to attract new capital. That said, we do reach out to current and new investors to create interest in F&M, to communicate our performance, and to create transparency around any challenges or opportunities we face. Over the years, F&M stock has done well. Currently, we are not enamored with our stock performance but we have undertaken some changes to better position our organization for the future. My belief has been if you are transparent with your investors and they understand your challenges and opportunities, hopefully they will remain patient and buy-in to the path forward.

CEOCFO: In closing, what sets F & M Bank apart from other local banks and why are you important to the fabric of the community?

Mr. Hanna: I think this includes a lot of what we have talked about. F&M Bank is the only publicly owned company still headquartered in Harrisonburg and Rockingham County, Virginia. We take that seriously and I think the community embraces that. Our clients and community members understand the long, rich partnership that F&M Bank has had with the Shenandoah Valley and the communities we serve. F&M has maintained a positive reputation since 1908 serving the needs of our clients and the community. We have been an integral contributor to the growth of the Shenandoah Valley and we hope to be involved in the continued development of these communities for another 111 years to come.