As a community bank with roots tracing back to 1908 in Timberville, Virginia, F&M Bank’s heritage has been deeply entwined with the Shenandoah Valley’s storied history. As our headquarters remains in Rockingham County, and our locations span the Interstate 81 corridor from Winchester to Waynesboro, we remain soundly invested in the local economy and devoted to the success of Virginia businesses. With this goal in mind, and in collaboration with local partners, we are working to continue to tell the story of small business owners, farmers and agriculture, and nonprofit sectors who make our home the wonderful place it is to live, work and play.  Thank you for visiting and we hope you enjoy Our Stories.