Spear Phishing Scammers Want More From You

By Lisa Lake, Consumer Education Specialist, FTC

“I’m calling from [pick any bank]. Someone’s been using your debit card ending in 2345 at [pick any retailer]. I’ll need to verify your Social Security number — which ends in 8190, right? — and full debit card information so we can stop this unauthorized activity…”

So the caller ID shows the name of your bank. And the caller knows some of your personal details. Does that mean it’s legit? No. It’s a scam — and scammers are counting on the call being so unsettling that you might not stop to check your bank statement.

We’ve started hearing about phone scams like this, which combine two scammer tricks: spear phishing and caller ID spoofing. In a phishing attempt, scammers may make it look like they’re from a legitimate company. And when they call or email with specific details about you — asking you to verify the information in full (things like your Social Security number or address) — that’s called spear phishing.

The other nasty wrinkle in this scam is caller ID spoofing. That’s when scammers fake their caller ID to trick you into thinking the call is from someone you trust.

Here’s how you can avoid these scam tactics:

Don’t assume your caller ID is proof of whom you’re dealing with. Scammers can make it look like they’re calling from a company or number you trust.
If you get a phone call, email, or text from someone asking for your personal information, don’t respond. Instead, check it out using contact info you know is correct.
Don’t trust someone just because they have personal information about you. Scammers have ways of getting that information.
If you gave a scammer your information, go to IdentityTheft.gov. You’ll learn what to do if the scammer made charges on your accounts.
Even if you didn’t give personal information to the scammer, report the scam to the FTC. Your reports help us understand what’s happening and can lead to investigations and legal action to shut scammers down.

Content: https://www.consumer.ftc.gov/blog/2018/10/spear-phishing-scammers-want-more-you?utm_source=govdelivery

Dean Withers Named Community Banker of the Year

On October 15th, the Virginia Association of Community Banks presented Dean Withers, former President and CEO of F&M Bank, with the Community Banker of the Year award.

Originally from Augusta County, VA, Dean graduated from James Madison University and the Louisiana State University Graduate School of Banking. He joined F&M Bank as Vice President of Loans in 1993 and worked his way through the ranks to become F&M Bank’s President and CEO in 2004. Under his leadership, F&M Bank experienced tremendous growth and success. The bank more than doubled in asset size from approximately $350 million to a current value of $770 million.

During this time, he also expanded the Bank’s geographic footprint from six to thirteen locations throughout the Shenandoah Valley and broadened its service offerings to include a mortgage affiliate, a loan production office, an automotive dealer finance division, and a title agency. This growth and expansion evolved organically without ever requiring a bank merger or seeking a tax payer bailout. The progress can be attributed to conservative decision making, sharp business acumen, as well as a vision of staying true to F&M Bank’s roots.

Over the years, Dean has served as Chairman of the VACB and has committed himself to shaping the community banking industry through his involvement with numerous Virginia Bankers Association committees. Dean has also remained active in civic and community organizations.

In December 2017, Dean passed the torch to Mark Hanna, current President and CEO, but remains active on the F&M Bank Board of Directors. You can often find him around the branches dropping by to visit staff or support their customer appreciation events. Sincere with his efforts to shape F&M as a true community bank, Dean is instrumental in seeing the potential in F&M staff and positioning them for success. Dean is well known at F&M Bank for being approachable, a good listener, and a champion of encouragement for personal and professional growth, as well as the impetus for active community involvement for which F&M Bank employees have come to be known.

Of his relationship with Dean, F&M Bank board member Chris Runion, states, “I have had the privilege and pleasure to work with Dean throughout my career and his support and engagement has been instrumental in our business success. The financial performance of the Bank during Dean’s leadership and his commitment to our community speak for itself, however, I believe his defining attribute is his empowerment of people.”

On behalf of all employees at F&M Bank, we would like to congratulate Dean on this well-deserved accomplishment! Your leadership has been exemplary.


Dean withers - community banker of the year

Fraud Alert for Debit Card Use in California

Over the weekend, F&M Bank received multiple notifications from our fraud detection system of a small number of our Virginia customers’ cards being used for fraudulent purposes in the state of California.

Over the weekend, F&M Bank received multiple notifications from our fraud detection system of a small number of our Virginia customers’ cards being used for fraudulent purposes in the state of California.

As a precautionary measure, F&M has placed a block that requires the use of a PIN in the state of California.

If you are unsure of your PIN number, please notify the bank at 540-896-8941 and we will order a PIN to be mailed to the address on file for your account.

We apologize for any inconvenience that this may cause for you, our valued customer.

If you have any questions, please do not hesitate to contact our customer support team at 540-896-8941.


What’s a money market and who should open one?

We all have savings goals – purchasing a new puppy, finding a dream home, taking a tropical vacation. But, how do you make those goals achievable? Consider opening a money market account to help boost your savings.

We all have savings goals – purchasing a new puppy, finding a dream home, taking a tropical vacation. But, how do you make those goals achievable?

Consider opening a money market account to help boost your savings.

But first, what is a money market account and how does it work?

If you’ve run across the term at your bank, you’ve probably wondered what it means. Put simply, a money market (MMA) is very similar to a savings account, but it’s more desirable as interest rates and terms are typically far superior. MMAs are also FDIC insured up to federal limits and have a limited number of withdrawals or outgoing payments during each statement cycle.

Who should open a money market?

A money market account is worth considering if you’re looking for a low-risk way to grow your savings.

It’s also a great fit if:

  • You want an account more liquid than a saver but earns higher interest than a checking.
  • You aren’t willing to part with your money for the period of time a CD would require.
  • You want some check writing ability.
  • You want quick access to funds in case of an unforeseen expense.

While MMAs are typically associated with big balances, at F&M Bank, you don’t need a huge deposit to get our attention. You can bank like a millionaire (without being one) by taking advantage of our money market special! From now until April 15, 2019, earn 1.79% APY* on a new money market account.

If you think a money market account is a good fit for your finances, be sure to contact us and book an appointment with one of our branch representatives! We’d love to help you set up an account so you can start earning today!

*Annual Percentage Yield. The interest rate on this account is 1.776% with an annual percentage yield of 1.79%. The special APY will be paid on new Money Market accounts opened between 08/01/18 to 04/15/19. A $10.00 deposit is required to open this account. A monthly service fee of $10.00 will be imposed monthly on the statement cycle if the average daily balance for the monthly statement cycle fall below $1,000.00. Effective 04/16/19, this Money Market special rate will automatically convert to our Money Market Plus account with the rate tiers in effect at that time. Please refer to the disclosures provided upon account opening for current Money Market Plus tiers and fees associated with this account. Member FDIC.


Top 10 Money Tips Every College Student Should Know

As college students head to campus this fall, money management should be on their personal syllabus. It’s important for college students to take control of their financial future by saving wherever and whenever they can. They should treat personal finance like a required college course and avoid unnecessary expenses now to reduce financial burden when they graduate.

Top 10 Money Tips Every College Student Should Know
By Bruce Whitehurst, President & CEO, Virginia Bankers Association

As college students head to campus this fall, money management should be on their personal syllabus. It’s important for college students to take control of their financial future by saving wherever and whenever they can. They should treat personal finance like a required college course and avoid unnecessary expenses now to reduce financial burden when they graduate. Students should consider the following tips to form a strong foundation for money management:

  1. Create a budget. You’re an adult now and are responsible for managing your own finances. The first step is to create a realistic budget or plan and stick to it.
  2. Watch spending. Keep receipts and track spending through a personal financial management app or through Excel or a similar program. Pace spending and increase saving by cutting unnecessary expenses like eating out or shopping so that your money can last throughout the semester.
  3. Use credit wisely. Understand the responsibilities and benefits of credit. How you handle your credit in college could affect you well after graduation. It is important to start using credit now so that when you apply for a car loan, a personal loan, or a mortgage, you will have a credit history, which will help your credit score. Shop around for a credit card that best suits your needs.
  4. Take advantage of your bank’s resources. Most banks offer online, mobile and text banking tools to manage your account night and day. Use these tools to check balances, pay bills, deposit checks and monitor transaction history.
  5. Look out for money. There’s a lot of money available for students – you just have to look for it. Apply for scholarships and look for student discounts or other deals.
  6. Buy used. Consider buying used books or ordering them online. Buying books can become expensive and often used books are in just as good of shape as new ones.
  7. Entertain on a budget. Limit your “hanging out” fund. There are lots of fun activities to keep you busy in college and many are free for students. Get the most from your student ID. Use your meal plan or cook meals with friends instead of eating out.
  8. Avoid ATM fees when possible. Use your bank’s ATM when possible and be aware of fees when using other ATMs. If you must use an ATM that charges a fee, take out larger withdrawals to avoid having to go back multiple times.
  9. Expect the unexpected. Things happen, and it’s important that you are financially prepared when your car or computer breaks down or you have to buy an unexpected bus or plane ticket home. You should start putting some money away immediately, no matter how small the amount.
  10. Ask. This is a learning experience, so if you need help, ask. Your parents or your bank are a good place to start, and remember – the sooner the better.


About the Virginia Bankers Association

Established in 1893, the Virginia Bankers Association is the unified voice for commercial and savings banks in Virginia. The VBA maintains an active legislative advocacy program, provides training to bankers statewide, and provides a variety of products and services to help its member banks best serve their communities.

About the Author

Following a 10-year career in retail and commercial banking with Jefferson National Bank (now Wells Fargo), Bruce Whitehurst joined the Virginia Bankers Association in 1993. He has served as president and chief executive officer of the association since 2007 and was previously executive vice president. Bruce is passionate about financial literacy and works directly with the VBA Education Foundation, whose mission is to improve personal financial literacy and economic education in all public and private schools in the Commonwealth. The Foundation recognizes the importance of economic education and financial literacy in Virginia and supports the banking industry as a key participant in these areas.


What Realtors In The Shenandoah Valley Need To Know About Title Insurance

What Realtors In The Shenandoah Valley Need To Know About Title Insurance
A comprehensive guide to how title insurance works, various types available, costs, and benefits.

Buying a home is one of the biggest decisions a person or couple can make. As a realtor, clients trust you to guide them through this important process. While potential buyers focus on the appearance of the kitchen, or whether there are enough bedrooms for the kids they hope to have, you work behind the scenes to crunch numbers and make sure the necessary paperwork is completed on time. Your clients may not care to read every word, but it’s your responsibility to make sure they understand all aspects of the closing paperwork, including title insurance. Here at F&M, we care about local communities and we know that the state of the housing market is an important part of a town’s overall vibrancy. We created this guide to title insurance to support realtors and home buyers in the Shenandoah Valley. We hope it helps you make an informed decision about title insurance policies.

What exactly is title insurance?

Most homebuyers, even repeat ones, have heard of title insurance but don’t really know what it is. They may think it’s just another requirement that adds to their closing costs without providing any tangible benefits. This view is common but decidedly wrong. The truth is, homeowners are lucky if their title insurance never comes in handy, but they could get into a lot of trouble without it. Simply put, title insurance guarantees that the seller is legally within their rights to sell the home to the buyer. Therefore, title insurance policies protect mortgage lenders and home buyers from ending up with a defective title.

3 Types of Potential Title Issues

If you’re wondering what a defective title looks like, we’re not referring to water damage or any other kind of printing/paper damage. Title issues are past events that affect ownership of the house and are not as readily apparent to buyers as, say, outdated bathroom tile.

  • Lien: a public record that money–as in unpaid taxes, a mortgage loan, or contractors’ fees–is owed on the house. If these creditors are not paid at the time of the closing, the buyer will be responsible for any remaining liens.
  • Encumbrance: A right to the property that decreases its value. A lien could also be classified as encumbrance, as well as local restrictions and easements.
  • Defect: Any other type of error or complication, such as a person besides the seller who has a legal claim to the property.

Distinguishing Title Insurance From Other Insurance Policies

Sometimes the most helpful approach to understanding something is to distinguish it from other, more familiar items. There are three important differences between title insurance and other insurance policies:

  • Payment schedule: With automobile policies and other types of insurance, you make regular premium payments as long as you’re insured. But with title insurance, you only pay once (at closing) and are protected for as long as you or your heirs own the property.
  • Responsibilities of the insurance company: When you sign up for car, health, or life insurance, the company asks you for basic information and provides a quote on a specific policy. That is the extent of your interaction with the insurance company, until you need to use the policy. With title insurance, the company fulfills most of their responsibilities upfront. They don’t just give you a piece of paper describing the benefits you’re entitled to, but take an active role in your closing process, from conducting a research-intensive title search to serving as an escrow agent and preparing essential paperwork.
  • Past vs future events: Most of the time, people buy insurance policies to protect themselves from things that haven’t happened yet, but could occur at any time, such as car accidents and major illnesses. Title insurance protects you against what has already happened, such as a contractor putting a lien on the property for unpaid work. As part of your title insurance policy, you’ll receive a report of any title issues before closing, and your policy will protect your equity in the home against future legal and other costs stemming from title issues.

What are the two types of title insurance?

Types of Title Insurance

  • Title insurance for lenders: Covers mortgage lenders’ legal fees if the title fails or if the priority of their lien is different than expected. Usually a buyer must pay for lender’s title insurance in order to get a mortgage.
  • Title insurance for owners: Covers legal fees and costs of clearing a defective title if the owner’s legal right to the house is challenged.

Because owner’s title insurance is optional, some people may ask why they should pay for it. It’s tempting to cut a little bit off the total closing costs, but forgoing title insurance could end up being a major headache, both financially and otherwise.

Even new construction should be covered by an owner’s title insurance policy.

If your client is buying a new home (see our home building guide for Shenandoah Valley) , they may especially question the value of title insurance. However, while the house is new, the land could be subject to liens. And even a new home could have a lien on it from an unpaid subcontractor. The bottom line is that owner’s title insurance is an essential protection for every home purchase.

How much does title insurance cost and who pays for it?

The price of a lender’s policy is based on the amount of the loan. Owner’s policies are calculated from the purchase price of the house. There are different policy levels to choose from, so read the coverage details carefully to make the best choice. Some companies may offer a discount if both policies are purchased at the same time. In Virginia, the home buyer typically pays for both title insurance policies. It may be possible to include a credit from the seller in your contract.

Buyers have the right to choose their own title insurance provider

Your realtor or mortgage lender will probably refer you to the title insurance company they usually work with. That doesn’t mean you have to work with them, however. You can (and should) shop around for the best quote and policy, just as you would with other purchases. Virginia’s Bureau of Insurance provides a database of licensed insurance companies.

How Title Insurance Works

How Title Insurance Works

Once you’ve chosen a title company, they will provide a title commitment (the details of the policy that will go into effect upon the sale of the house) and conduct a title search. The buyer receives a summary of the title search results before closing. If any title issues are discovered that cannot be resolved, or the buyer doesn’t want to accept a certain type of easement, the purchase of the home may be cancelled. Once the title is cleared, the insurance company’s escrow agent will prep and review closing paperwork. After closing, the title insurance policies for the lender and buyer become active. As we’ve mentioned, title insurance is paid for with a one-time premium and provides coverage for the entire time the home is owned by the same buyer or their heirs. If you refinance your mortgage, you may need to purchase a new policy.

Benefits of Local Title Companies vs. National Names

Just as banking with a locally-owned financial institution offers unique benefits that cannot be replicated by bigger banks, choosing a local title company can work to your advantage in several ways.

  • Trustworthiness: Local title companies cannot survive without the continuing trust of the community they serve. If you see that a local business has been operating for many years, you can usually count on their trustworthiness. Chances are, they can refer you to previous clients who live in your town and can provide a positive review.
  • Friendly Service: Across industries, small and locally-owned businesses often deliver the type of friendly and personalized service that is hard to come by with national chains.
  • Local Expertise: A locally-owned title company only works in your state and town. This gives them local expertise and insight into state and local laws, community traditions, and so forth.

Regardless of the title company you choose, you want to ensure they have your best interests at heart. Companies that depend on realtor referrals may be more motivated to achieve a quick and problem-free closing than to provide a comprehensive search and disclosure to the buyer. This is another reason to choose your own company and to find a local business with more loyalty to their clients and community than to a particular realtor or mortgage lender.

Talk To A Local Title Expert Today

Serving Shenandoah Valley Home Buyers Since 1985

VSTitle, a locally owned title agency, has served home buyers in Harrisonburg, Staunton, and the entire Shenandoah Valley since 1985. Visit their website to learn more about the title insurance services they offer and get a quote for your home purchase from a local title expert. When you partner with community-minded businesses for your mortgage, title insurance, and other home buying needs, you enjoy both excellent customer service and competitive products.


F&M Bank Corporate Foundation Sponsors Habitat for Humanity Build

F&M Bank is excited to announce that the F&M Corporate Foundation will be sponsoring a Central Valley Habitat for Humanity home build this summer. The home will be located at 955 Roberts Court on the northside of Harrisonburg.

“The selection of the Central Valley Habitat for Humanity as a beneficiary of the F&M Corporate Foundation just made sense for our organization”, says F&M Bank President, Mark Hanna. “Habitat for Humanity is founded on generosity and bringing people together to empower and improve our community. We share a common commitment to helping families realize the American dream.”

F&M Bank is dedicated to being a positive force for change in the community, and this mindset is exemplified through employee volunteerism and leadership. This summer, employees of F&M Bank and F&M Mortgage will play an active role in the construction of the property and look forward to the hands-on involvement.

On June 24th at 3pm, a groundbreaking ceremony will be held at 955 Roberts Court, Harrisonburg. F&M Bank invites all community members to attend and join the celebration.  

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. 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 $750 million in assets and boasts over 160 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.

About F&M Mortgage
F&M Mortgage (NMLS #275173) is a true local mortgage company serving the community for almost 20 years. Their deep roots encourage employees to work even harder to make the community a great place to live. Friendly and knowledgeable mortgage advisors and in-house processing and underwriting give customers excellent service and local decision making. F&M Mortgage offers a full product line – from conventional loans to 100% financing – but it is the relationships with clients that matter most.


Ultimate Guide To Shenandoah Valley Wineries, Breweries, Distilleries, Cideries, And Events

Ultimate Guide To Shenandoah Valley Wineries, Breweries, Distilleries, Cideries, And Events
We hope you enjoy our comprehensive guide to Shenandoah Valley wineries, breweries, distilleries, and cideries. Find out where you can relax and have fun with a glass of your favorite wine, beer, spirit, or hard cider. Cheers!

The Shenandoah Valley is renowned for its natural beauty, which includes acres of farmland where many of the wineries and breweries on our list are located. The Valley is also home to charming small towns where you can enjoy a locally made craft brew with live music and food truck fare. From the independent city of Harrisonburg, home to James Madison University, to Shenandoah County’s hotbed of vineyards, there are endless opportunities to relax and have fun with a glass of your favorite wine, beer, spirit, or hard cider.

F&M Bank is a proud community bank with locations across the Shenandoah Valley including six in Harrisonburg and surrounding Rockingham County. We hope you enjoy our comprehensive guide to Shenandoah Valley wineries, breweries, distilleries, and cideries. Use it to plan a vacation, weekend outing, or check the dates of upcoming festivals. We love this region and love to support local businesses, many of which are family-owned. Many people say the Valley is a great place to raise a family and a great place to grow wine grapes, two occupations that can be very compatible as you’ll see from our list. Cheers!

Frederick County

Frederick County Map



James Charles Winery and Vineyards

4063 Middle Rd.

(540) 931-4386

Located in the picturesque rolling hills just outside of Old Town Winchester, this winery specializes in classic wines such as Riesling and Cabernet Franc, as well as newer grapes like Sauvignon Blanc and Syrah. You can experience a classic tasting of red and white wines, a seated tasting with food pairings, or picnic on the winery grounds. James Charles also features seasonal special events as well as weekly live music on Saturdays and Sundays, and wood-fired pizza from a local vendor on Friday nights.


Stephens City

Valerie Hill Vineyard and Winery

1687 Marlboro Rd.

(540) 869-9567

Valerie Hill takes its name from the early 19th century manor house on the 18 acre farm the winery is located on. They are open daily for wine tastings and purchases of wine by the glass or bottle, with a light weekend food menu Friday through Sunday. If you visit on the weekend you can also catch one of their live music performances or special events. Check the website for their current calendar.


Star Tannery

Cedar Creek Winery

7384 Zepp Rd.

(540) 436-8394

Nestled along the bank of Cedar Creek, this winery offers “estate bottled, handcrafted” Cabernet Franc and Chardonnay. The narrow focus allows for many personal touches, such as wine tastings with the owner on Sundays between 11-5, April through November. You can bring your own food to enjoy with the wine.



Alesatian Brewing Company

21 N Loudoun St.

(540) 667-2743

The family behind this brewery traces its heritage to the Alsace-Lorraine region in France, which is known for its brewers’ commitment to purity and authenticity. With these guiding principles, the Ritenour family offers a choice selection of brews on tap, accompanied by wood-fired pizzas, salads, and Roma appetizers.


Broken Window Brewing Company

14 W. Boscawen St.

(540) 860-0849

This nano brewery specializes in a variety of craft beers. They are open Wednesday-Sunday in downtown Winchester.


Escutcheon Brewing Company

142 W. Commercial St.

(540) 773-3042

Started by two friends with a shared love of beer, this brewery boasts a diverse selection of craft brews, from pilsners and IPAs to stouts. On Sundays they offer special pricing on growlers, and Thursday evenings you can enjoy live music at the brewery. They also offer tours by request. While there is no food menu, guests are welcome to bring their own grub, and Escutcheon sometimes partners with local food trucks.


Winchester Brew Works

320 N. Cameron St.

(540) 692-9242

This brand new (opened in 2016) 3-barrel nano brewery in Old Town is notable for being the only majority woman-owned brewery in Virginia. Guests can bring their own food to pair with the seasonal selections on tap such as a “Key Lime Shandy” for spring.



Backroom Brewery

150 Ridgemont Rd.

(540) 869-8482

This picturesque brewery is located on an herb farm, which provides some of the ingredients for the from-scratch food. With a pet-friendly policy and outdoor games to keep the kids amused, it’s a great place for families and everyone else to enjoy one of over 20 beer recipes in rotation.



Winchester Ciderworks

2504 N. Frederick Pike

(540) 686-7632

This cidery is the result of a partnership between a local Shenandoah Valley orchardist and an Englishman longing for the quality cider at home. The tasting room is open Friday through Sunday, and they occasionally offer orchard and cidery tours (check the website for current offerings). Winchester Ciderworks produces signature, barrel aged, and naturally fermented ciders.


Clarke County

Clarke County Map



612 Vineyard

864 Shepherds Mill Road

(540) 535-6689

Producing a wide array of red and white wines, from Chambourcin to Chardonnay, as well as seasonal varieties like their Raspberry Sangria, 612 Vineyard is a relaxing and scenic place to enjoy good wine and a picnic with family and friends. They also have special events such as live music and dog-centric days.


Veramar Vineyard

905 Quarry Rd.

(540) 955-5510

Visit their tasting room, open at noon every day of the year. You can also experience the Habana Terrace, Veramar’s outdoor cigar and wine lounge. Veramar also offers Friday and Saturday picnics, in which you can enjoy a full meal with your Veramar wine, as well as occasional tours by request.


Warren County

Warren County MapWineries

Front Royal

Chester Gap Cellars

4615 Remount Rd.

(540) 636-8086

Newly established in 2017, this “small Virginia estate winery” produces small batches of red and white wines, which you can sample in their tasting room, open Friday through Sunday from 11-6.


Glen Manor Vineyards

2244 Browntown Rd.

(540) 635-6324

The family that operates this winery has owned the farm it sits on since 1901, a history that led the state to recognize Glen Manor as a “Century Farm.” They established the original vineyards in 1995 and have been adding to it ever since. Glen Manor’s selection of wines includes Sauvignon Blanc, Petit Manseng, Morales Rose, Vin Rouge, Cabernet Franc, St. Ruth, Hodder Hill, Petit Verdot, and Raepheus. The winery is open Saturday through Monday for tastings and to sell wine by the glass or bottle. Only service dogs are allowed on the grounds. No food is served but you can bring your own.



Front Royal Brewing Co.

122 E. Main St.

(540) 631-0773

This brand new (not yet opened at the time of this writing) brewpub in downtown Front Royal celebrated their first day of brewing on April 26th. Check them out on Facebook to follow their progress and find out when they open.


Shenandoah County

Shenandoah County MapWineries


DeMello Vineyards at Third Hill

2110 Quicksburg Rd.

(540) 740-8464

This scenic winery in the heart of Shenandoah County offers a comfortable and homey experience. They invite visitors to “come and wine down” at a tasting, enjoy a glass (or share a bottle) of their delicious wine. Pack a picnic basket when you visit during the spring, summer and fall months to enjoy a lunch on their wrap-around porches or outdoor pavilion.



Muse Vineyards

16 Serendipity Ln.

(540) 459-7033

This boutique vineyard won the 2015 Virginia Governor’s Cup for its 2009 Clio, a Bordeaux-blend. The Muse Tasting Room is open Friday through Sunday with light food and snacks available for purchase in addition to the wine. Tours are available by appointment.



North Mountain Vineyard and Winery

4374 Swartz Rd.

(540) 436-9463

Experience the beauty of the Shenandoah Valley countryside while feeling like you’re a guest at a French chateau. North Mountain has been growing their grapes for over thirty years and you can purchase their wine by the glass or bottle, or through a tasting. Like James Charles, the expansive grounds at North Mountain are perfect for a picnic.



Shenandoah Vineyards

3659 South Ox Rd.

(540) 984-8699

Established in 1976, Shenandoah Vineyards is one of the Valley’s oldest wineries. Their tasting room is open Wednesday through Sunday from 10-5.


Wolf Gap Vineyard and Winery

123 Stout Rd.

(540) 984-3306

Taking its name from a geographical feature of the Great North Mountains, Wolf Gap Vineyard is a 48 acre estate producing small batches of rich red wines, a range of whites, and semi-sweet rosé and blueberry wines. Their tasting room is open Fridays through Mondays from 12-7 and on weekends only from 12-5 during winter months. Call ahead to schedule a private tour. You can also enjoy the new hiking trail and pond picnic area.


Mount Jackson

The Vineyards at Kindred Pointe

3575 Conicville Rd.

(540) 477-3570

This former horse farm produces a variety of wines, hard ciders, and sangria on tap. The tasting room is open Friday through Sunday and they also sell wine-themed merchandise.


Cave Ridge Vineyard

1476 Conicville Rd.

(540) 477-2585

Down the street from Kindred Point you’ll find Cave Ridge Vineyard. Open six days a week (they’re closed on Tuesdays), their tasting room sometimes features live music and other special events (check the calendar for upcoming attractions).



Mountain View Vineyard

444 Signal Knob Drive

(540) 635-5369

This boutique winery takes its name from its scenic position between Massanutten Mountain and the Shenandoah River. They don’t have fixed hours but you can schedule a tasting by appointment.




Woodstock Brewhouse

123 E. Court St.

(540) 459-BREW (2739)

This brewery takes great pride in the community, from naming itself after the town of Woodstock to restoring a historic former industrial building off of Main Street. Visit on a Thursday evening to enjoy live music, order food to accompany your beer on weekday evenings and Sundays, check out the barbecue restaurant that shares the same space, and taste the seasonal brew offerings.



Ridge Runner Farms and Brewing Company

6895 Back Rd.

(571) 201-2963

The name of this brewery (ridge runner means mountain farmer) honors the long history of farming in the Shenandoah Valley. As with the Backroom Brewery, Ridge Runner Farms grows ingredients for its brews as well as selling fresh produce and local products at its farm market. Choose between IPAs, ales, and stouts. There is also a bustling events calendar featuring live music, trivia nights, and other fun activities.



Swover Creek Farms Brewery

4176 Swover Creek Rd.

(540) 984-8973

Looking for a more family friendly taproom experience? Visit this combination farm, brewery, and brick oven pizza kitchen. There’s even a dog park for your canine family member(s). Trivia night happens on the third Thursday of the month.



Filibuster Distillery

50 Maurertown Mill Rd.

Maurertown, VA 22644

(202) 289-1414

Borrowing their approach from Scotland, this distillery produces whiskey and gin in small batches using wine barrels to obtain a fruity note in the flavor.


Page County

Page County MapWineries


River Hill Wine and Spirits

356 Ruffners Ferry Rd.

(540) 843-0890

Owned by a longtime Shenandoah Valley farming family, River Hill produces bourbon, corn whiskey, and country wine in small batches. You can visit the distillery Friday-Sunday to meet the owners and purchase spirits or wine as well as their meat products.


Faithbrooke Barn and Vineyards

267 Elgin Drive

(540) 743-1207

This new winery produces red and white grapes, with new varieties added each year. Visits are by appointment only; their focus seems to be more on weddings and events than tastings.


Castle Vineyards

2150 Mims Rd.

(571) 283-7150

This vineyard and tasting room is located on a working cattle farm. They currently serve wines from Barren Ridge Vineyards in Fishersville, but plan to expand their own grape growing this spring. Enjoy indoor and outdoor seating, cornhole boards, and cheese and meat trays available for purchase.



Wisteria Farm & Vineyards

1126 Marksville Rd.

(540) 742-1489

There are many fun and free events to experience at the Wisteria winery including live music and the opportunity to stomp grapes. You can also drop in for a tasting between 12-6 every day except Tuesday/Wednesday. The farm is home to free-range chickens and natural-colored Romney sheep, for your viewing or egg-and-yarn-buying pleasure.



Hawksbill Brewing Company

22 Zerkel St.

Luray, VA 22835

(540) 860-5608

Their slogan is “grown here, brewed here,” a reference to their commitment to use locally grown hops and other ingredients in their beers. In the warmer months there is a dog-friendly beer garden.


Rockingham County

Rockingham County MapWineries


Purple Wolf Vineyard

2644 Cross Keys Rd.

(540) 421-6345

This winery shares an owner with Cave Ridge Vineyard in Mount Jackson. Every week at Purple Wolf you can enjoy “Wine Down Wednesdays,” when the outside wine bar stays open until 7pm and you can enjoy live jazz music and complimentary pistachios with your wine.



Bluestone Vineyard

4828 Spring Creek Rd.

(540) 828-0099

Named after a type of limestone that is common in the soil, this winery bustles seven days a week with live music and other events, which you can experience indoors or outside, as you visit the hilltop tasting room.


Mount Crawford

CrossKeys Vineyards

6011 E. Timber Ridge Rd.

(540) 234-0505

The tasting room and bistro at this winery are open daily for wine flights, tastings, and food pairings. Established in 2001, CrossKeys offers a wider selection of wines than some of the newer vineyards in the area.



Brix & Columns Vineyards

1501 Dave Berry Rd.

(540) 421-0339

This one-year-old winery sprung up on a family farm once the owners realized the potential of their land. Visit their tasting room Wednesdays through Saturdays to sample their “fine collection of wines.”




Brothers Craft Brewing

800 N. Main St.

Harrisonburg, VA 22802

(540) 421-6599

As its name suggests, this brewery is run by three brothers who grew up in Harrisonburg. Open daily at 4pm during the week and at noon on weekends, Brothers Craft Brewing features live music and other events as well as different food trucks.


Pale Fire Brewing Company

217 S. Liberty St. #105

(540) 217-5452

Located in downtown Harrisonburg’s Ice House complex, Pale Fire is open daily. Special events include weekly trivia nights on Wednesdays and First Friday art openings. There is also a monthly book talk hosted by WMRA Public Radio.


Three Notch’d Brewing Company

241 E. Market St.

(540) 217-5939

Established in 2013, this brewery has lots of Virginia pride, with several locations in the commonwealth besides Harrisonburg.


Restless Moons Brewing Company

120 W Wolfe St.

(540) 217-2726

Formerly known as Wolfe Street Brewing Company before it reopened under new ownership in early 2018, the Restless Moons taproom is open six days a week and they are working on adding regular events to their calendar.



Old Hill Cider

17768 Honeyville Rd.

Timberville, VA 22853

(540) 896-7582

Calling itself The Shenandoah Valley’s original hard cidery, you can visit Old Hill’s tasting room to try their “artisan hard cider” or enjoy a family picnic on the beautiful orchard grounds. They also sell plants and a variety of local products.


Augusta County

Augusta County MapWineries

Ox-Eye Vineyards

44 Middlebrook Ave.

Staunton, VA 24401

(540) 849-7926

Visit their tasting room, open daily in the historic Wharf district of downtown Staunton. In addition to enjoying a glass of wine, you can peruse local art in the upstairs and downstairs galleries.


Barren Ridge Vineyards

984 Barren Ridge Rd.

Fishersville, VA 22939

(540) 248-3300

Formerly an apple orchard, this family-owned winery hosts live music on Friday and Saturday nights. Their tasting room is open daily, with extended hours during the summer.  Celebrate Independence Day with Barren Ridge’s annual Pork & Cork event. They also hold a Swedish Fire Festival annually in January.




Bedlam Brewing

2303 N. Augusta St.

(540) 416-4634

This “nanobrewery” produces Belgian and French-style farm ales as well as other seasonal brews that reflect local heritage. In their pub you can enjoy wood oven pizza with your beer as well as other menu items made with locally sourced ingredients.


Shenandoah Valley Brewing

103 West Beverley St.

(540) 887-BEER (2337)

This craft brewery serves pints, allows patrons to create their own beer flight, and fills any growler. No food is served on the premises but you can bring your own snack or meal.


Queen City Brewing

834 Springhill Rd.

(540) 213-8014

Their slogan, “Not just a Brewery. It’s an Experience!”, is illustrated by the robust events calendar (weekly open mics and live music nights), “eclectic menu” of beers, and rotating Friday night food trucks.



Stable Craft Brewing Company

375 Madrid Rd.

(540) 490-2609

Love horses and beer? This brewery combines those different passions. Originally a horse boarding farm, the owners added a taproom and restaurant. Visit to sample the food and beer, gaze at the horses, or stay overnight in one of their B&B suites. Stable Craft also hosts regular special events.


Basic City Beer Co.

1010 East Main St.

(540) 943-1010

The taproom is open six days a week with occasional live music, food truck visits, and recurring events such as trivia.


Seven Arrows Brewing Co.

2508 Jefferson Hwy #1

(540) 221-6968

Visit the taproom to sample one of their beers and order food from the Nobos kitchen, including Sunday brunch. There are many fun events to experience as well, such as cornhole tournaments and Saturday night live music.


Rockbridge County

Rockbridge County MapWineries

Rockbridge Vineyard

35 Hill View Lane

Raphine, VA 24472

(540) 377-6204

The tasting room is open daily with regular special events, such as “Uncorked Sundays” featuring live music and food trucks.



Devil’s Backbone Outpost Brewery and Tap Room

50, 3303 N Wind Ln

Lexington, VA 24450

(540) 462-6200

Experience a weekend brewery tour, special events, and pints in the tap room seven days a week.


Great Valley Farm Brewery

60 Great Valley Lane

Natural Bridge, VA 24578

(540) 521-6163

The tasting room is open five days a week (Closed on Mondays and Tuesdays). Look at their events page for upcoming live music and food truck visits.


Shenandoah Valley Alcohol Trails And Festivals

Overwhelmed by the sheer number of great local wineries, breweries, distilleries, and cideries? These four websites provide “trail” resources and maps to help you experience the best of the region in an efficient and enjoyable manner.

Festivals are another great way to experience a variety of local wineries and breweries in a fun atmosphere with music, food, craft sales and more.

Supporting Local Businesses Since 1908

As one of the oldest community banks in the Shenandoah Valley, F&M is proud to support and invest in local and family-owned businesses such as Jack Brown’s Beer & Burger Joint in Harrisonburg. We take an active role in helping businesses buy property, meet expenses with lines of credit, and other essential services. Learn more about the ways in which a strategic partnership with F&M Bank can help you start or grow your business.

‘A Real Gift’: Hundreds Of Volunteers Tackle Projects At 26 Sites Across City, County

Nine F&M Bank employees added soil and planted a vegetable garden behind Mercy House, a nonprofit that shelters homeless families while helping them save for and find affordable housing, on North High Street.

‘A Real Gift’: Hundreds Of Volunteers Tackle Projects At 26 Sites Across City, County
By Ellie Potter, Daily News-Record


Jordan Dean of Elkton pours topsoil into a vegetable garden bed Wednesday
morning at Mercy House. Dean volunteered to spend his day planting the garden
along with eight others from F&M Bank for United Way’s Day of Caring.

Wednesday was a record-breaking day for the United Way of Harrisonburg and Rockingham County as 629 volunteers came out for the nonprofit’s annual Day of Caring.

Nearly 50 teams tackled 53 projects at 26 sites across the city and county with 175 more volunteers than last year, said Executive Director Laura Toni-Holsinger.

The event, which began in 1992, matches volunteers with various projects in the area, helping nonprofits, organizations and homeowners with yard work, maintenance and administrative work, among other things.

This year, the United Way sought a variety of projects for people of all ages and with different skills, Toni-Holsinger said, which likely helped attract more volunteers.

“It’s amazing,” she said. “It also is a testament to our local businesses, because a lot of these people are doing this on work time. It’s business leaders that are saying, ‘This is really important. Take a work day and go and serve.’”

Nine F&M Bank employees added soil and planted a vegetable garden behind Mercy House, a nonprofit that shelters homeless families while helping them save for and find affordable housing, on North High Street. Clients will eat the vegetables in the summer, said Shannon Porter, executive director of the nonprofit.

The crew also spread mulch around Mercy House’s playground.

The free labor “is huge,” Porter said, as the shelter’s staff don’t need to take time away from running the operation. Mercy House also doesn’t have the money to hire someone to complete the projects, he said.

“When someone is willing to donate their time and effort to us, it’s a real blessing,” Porter said. “It’s a real gift.”

Josh Hale, 41, of Harrisonburg, who has volunteered for the Day of Caring the last six or seven years, said he showed up at Mercy House on Wednesday to give back to the community and support people in need.

“It certainly helps all the organizations in the community with projects that they don’t have the resources to do,” he said. “A lot of nonprofits that are just getting by on a budget need additional help to get things done in the organization … so they can thrive.”

Kelsey Wakeman, 25, of Elkton, who also volunteered with the F&M Bank team, said they chose to work with Mercy House to support its mission.

“They work directly with families and housing children,” Wakeman said. “No child should ever have to go without a home. So, the cause just spoke to my heart.”

Toni-Holsinger said the day also connects people with nonprofits, perhaps introducing them to more volunteer opportunities.

“We’re just so grateful for the great response and having more than 600 people giving their time,” she said. “We really do hope that number can just go up.”

Jonah Pence (left) of Cross Keys, Josh Hale (center) of Harrisonburg and
Karla May of Rockingham County help plant the garden bed.

Holly Thorne of Harrisonburg shovels mulch to spread around Mercy House’s
playground on Wednesday.


F&M Bank Ranked Nationally Among Top Performing Banks

We are happy to report F&M Bank’s placement in the American Banker’s Top 200 list again in 2018 for our 3-year ROAE (Return on Average Equity) of 10.73%. This year F&M Bank ranked 74th (up from 104th, 138th and 148th the last 3 years).

We are happy to report F&M Bank’s placement in the American Banker’s Top 200 list again in 2018 for our 3-year ROAE (Return on Average Equity) of 10.73%. This year F&M Bank ranked 74th (up from 104th, 138th and 148th the last 3 years). We were 2nd among the 11 Virginia banks that made the list. Virginia was 1 of only 6 states to have 10 or more banks on the list of top 200 banks.

Cautiously optimistic: The top 200 publicly traded community banks (republished from American Banker)