F&M Bank is a Timberville, Virginia based community bank. The bank was chartered on April 15, 1908, as a state chartered bank and was incorporated in 1983 as a one-bank holding company in Virginia. F&M Bank functions as a regulated financial institution, but provides commercial banking services to small and medium-size businesses, nonprofits, as well as families and individuals in Virginia’s Shenandoah Valley. It operates as a subsidiary of F&M Bank Corp that provides retail, commercial, and municipal banking services. Wikipedia